As a technologist, Mr. Rivera has been the creator, designer and architect of significant technologies brought to market to advance the state of the practice in their respective fields. Mr. Rivera is the designer and architect of the CardProfit technologies. Mr. Rivera was also the de­signer and architect of the eKnowlogie refactoring environment for the auto­matic transforma­tion of web applica­tions from web languages such as ColdFusion to open archi­tectures in Java and J2EE. He was the sole designer of the most successful automatic software modernization environment brought to market, used in Europe by the AXA Group, France Telecom and Tieto, and adopted as a standard by the U.S. Air Force for the automated modernization of their USAF F-16 and USAF F-117 Nighthawk stealth fighter aircraft. As the former CEO of Xinotech Research, Mr. Rivera brings vast experience in the development of strategic relationships in the U.S. and Europe, establishing Xinotech subsidiaries in Paris and Helsinki. As a researcher, Mr. Rivera has also received over 20 research contracts from U.S. national organizations such as DARPA (the Defense Advanced Research Projects Agency), NSF (the National Science Foundation), the Edwards Air Force Base, the U.S. Army, and many others.   See more...

Mr. Sacasa is one of the most recognized and respected authorities in credit card profitability for the payments industry in the Americas. As President of Global Payments Consulting, he has applied his well proven strategic profitability methodology to more than 100 banks in 22 countries throughout Latin America, the Caribbean, United States and Europe. This includes Fortune 500 companies such as Capital One and Visa Inc. in the United States, ScotiaBank, BBVA from Spain, Bradesco and Red Cielo (Visanet do Brasil) in Brazil, Bancomer and Banamex in Mexico; Banesco in Venezuela, Banco de Bogota, Bancolombia and Colpatria in Colombia and many others. Mr. Sacasa was Vice President for Strategic Planning at Visa International from 1988 to 2000. Mr. Sacasa has brought his extensive experience in strategic profitability methodologies into the CardProfit conceptual functionality and brings his considerable expertise to insure CardProfit customers can maximize their approach to profitability.