Brian Nichols is the CEO of Sky Systemz, a digital payment company that helps professional service businesses save money, grow larger, and eliminate risks. With over seven years of experience in leading and executing the vision for Sky, Nichols is an expert in the payment industry and solving the chargeback problem that costs business owners $225 billion annually.Before Sky, Nichols was a successful author, entrepreneur, and equity researcher. He wrote "Taking Charge with Value Investing" (McGraw-Hill, 2012), a comprehensive guide on the psychology and strategy of the stock market. He also founded and sold HADE Technologies, a financial information software that generated equity research reports from supplemental data using visualization and analytics. Nichols is passionate about building and investing in businesses that solve real problems and create value for customers and stakeholders. His latest company, Fractal, where Nichols serves as the Chairman and CEO, works with Platforms and SaaS companies to deliver payments and other financial services in a low-code, widget-based service that allows partners to offer and profit from payments without the risk.