Antonio (Tony) is a seasoned leader with 25+ years in banking, fintech, and technology, specializing in merchant services. He has a strong track record of launching successful merchant services programs, notably in Mexico, generating revenue from transactions, interchange fees, and value-added services. His expertise includes internet banking, IT, card issuing, and payment solutions, and he has held senior roles focused on strategy, team development, and client engagement. Tony was key in expanding POS offerings through ISO and payment facilitator partnerships.

Marcela is a senior executive with 25+ years of international leadership in banking, FinTech, and digital payments (Mastercard, PayPal, Citi, Banamex). An expert in digital payments and banking strategy, she is proven in transforming financial services through innovation, product management, and market expansion. At Mastercard, she executed global strategies across 30+ countries, enabling 500M+ payment products for the underserved. Marcela excels in product innovation, development, regulatory compliance, governance, and risk management, building profitable, customer-centric digital solutions.

A Senior Backend Engineer/Systems Architect with over 10 years of experience specializing in financial infrastructure, payment systems (including ISO8583 and AML), and distributed backends. Key achievements include leading team design of core systems for a Mexican fintech, serving as an Ex-CTO for two startups, and leading B365Tech through full Visa/Mastercard pre-certification by designing a multi-schema transaction codec. Expert in resilient architectures, mentorship, and human-centered design.

Backend/Platform Engineer specializing in reliable, secure, and maintainable financial systems. Experienced (Cuenca, Oracle) in transactional logic, payment reconciliation, KYC, refunds, and workflow automation across AWS and on-premise infrastructure. Focus on high-availability, traceability, and compliance. Proficient in Python, REST APIs, asynchronous systems, CI/CD, Docker, and infrastructure automation. Committed to technical clarity, robust testing, scalable decisions, and reducing operational complexity.

Lead Software Architect with over a decade of experience in software development and system architecture. His expertise spans secure system design, financial environments, and complex integrations, with a proven track record of leading cross-functional teams and delivering high-impact technical solutions. Notable achievements include spearheading the integration project connecting an Electronic Payment Funds Institution (EPFI) to Mexico's Central Bank, a critical infrastructure initiative in the financial technology sector.