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Joe Beuckman is a seasoned computer programmer and engineer with extensive experience in software development and mobile payments. Currently serving at CiBO Technologies since August 2019 and Klarna since September 2017, Joe has previously held roles as a Mobile Payments Innovation Programmer at US Bank, where prototyping for mobile banking was a key responsibility. Joe's foundational experience includes a senior developer position at Puny Entertainment, an educational software developer role at KSU, and development work at Blue Earth Interactive and Southern Illinois University Edwardsville. With degrees in Physics and Computer Sciences from Southern Illinois University Edwardsville and the University of Missouri-Saint Louis, Joe combines technical expertise with innovative project execution in the tech industry.