Andres Fontao is a digital banking and mobile payments executive with experience in product management, product marketing and business development. He has a successful track record in helping grow technology-driven businesses (consumer and enterprise) with a focus on identifying and executing new market and product opportunities— horizontally, across new business verticals and into new geographic territories. A recognized thought-leader in disruptive financial services, Andres is a frequent speaker and panelist at mobile banking and mobile payments industry events in Europe and globally; as an invited speaker and panelist Andres has participated in Finextra MobeyDay 2012, Marketforce's 2011 The Future of Mobile Banking in London, GSMA 2011 MWC in Barcelona, GSMA 2010 Mobile Money Summit in Rio, next10, and the 2010 and 2009 Mobile Financial Services Congress in Miami, as well other industry events across Europe, Latin America and the US. Bilingual in English and Spanish, Andres has global exposure, having lived and worked in the US, Mexico, Spain and other European markets. He is currently based in New York City.