President & Founder, FINCCLUDE Inc. (Financial Inclusion Now, Carrier Commerce Leading a Ubiquitous Digital Economy),

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Headed innovative Carrier Commerce initiatives since near the dawn of monetizing the internet with AT&T, AT&T Labs, Accenture JV, Amdocs, ClickandBuy LLC and others – all aimed at bringing optimal numbers of people off the sidelines of the digital economy.

From leading strategic, product and business development, through to governance leadership over launch and scaling operational execution, John has helped lead the Financial Inclusion Carrier Commerce industry in the Americas, Eastern & Western Europe, as well as East and South Asia including forging $MM deals with global carriers and Internet Retailer 500 retailers, as well as alliances with banks, clearinghouses, money transfer and prepaid card companies, mobile entertainment and Silicon Valley firms.