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Steve has spent four decades in electronic payments and security: in executive capacities at Cognitive Systems, Mastercard, and Priceline, as lead consultant at Merchant Customer Exchange (MCX), SME with the Federal Reserve on mobile payments and security and with the Merchant Advisory Group, and served as a steering committee member of the Faster Payments Task Forces, and on the Board of the Faster Payments Council. He has consulted to just about every sector of the payments ecosystem–from startups to the biggest players–focused primarily on debit and real-time payments in online, mobile and digital venues.