Jose Payano

mobile payments innovation financial inclusion innovación crm e-commerce marketing payment systems low value payments financial services blockchain business model payments systems inclusión financiera mobile bottom of the pyramid banking for the poor bop payment ecosystem desarrollo económico estrategia remittances tecnología currency futuro del dinero banking futuro de la banca comercio electrónico innovation workshop high value payments mobile banking events conferences fintech gig economy collaborative economy sharing economy economías de plataformas platform economy banca digital disruption technology ico dlt mayor distribuido peer-to-peer transfers billeteras moviles cash payments cash economy p2p digital payments economy best practices payments payments trends payments regulation regulatory issues account-to-account mobile instant payments instant payments pagos inmediatos faster payments presenting a business starting a business startups value chain business development model business customer value customer journey pagos moviles sistemas de pagos mobile commerce mobile financial services mobile apps jose payano curriculum vitae cv hoja de vida resume dinero electronico panegírico elegía homenaje poesía cantar lealtad amor cafe humildad mujer género damas servidora wtc terrorism september 11 attacks wtc plane crashes sadness bombing dash hypertension diet swift swiftremit ideas it business alignment economia digital educación continuada forum consenso foro foro abierto administración pública e-gobierno e-government e-administración value model valor product development desarrollo productos e-business digital strategy consultancy e-commerc e-company industria economía trayectoria Única de desarrollo clusters asociaciones industriales organización industrial cluster development central banking banco central sistema de pagos electronic check truncation presentación electrónica de cheques e-check check truncation cheques electrónicos mejora de procesos administración de relaciones prestación de servicios service management fabrica de procesos mercadeo administración relaciones clientes empresas eventos conferencias conocimiento eventos tecnológicos social value value exchange growth crecimiento strategy alchemy mckinsey enduring enterprise pagos banca remesas futuro periódicos revista tecnológica technology merchandising sistemas cambiario currency exchange brokerage electrónico e-broker customer centric customer centricity customer relationship marketing let dinero euro qué es dinero? scriptural moeny future of money transporte servicios central banks sistemas de pago future of banking payment system overhaul payments unbanked services model mobile phones mobile applications