Ryan Seven has been actively involved in multiple facets of the electronic payment processing industry for the last 11 years. His prior focus in the business consulting (non-profit and for-profit alike) and customer loyalty industries provided him unique perspectives on what merchants need to be successful in the information age. Having engineered retail, online and mobile payments workflows for business, non-profit and government clients and having invented the subject matter in multiple patent applications, Ryan is regarded as a thought leader in payments workflow architecture. On the card issuing side of the industry Ryan has worked with different card issuers to create 100% direct deposit workforces (even with unbanked employee populations) and custom affinity programs. The ability to both process payments and issue cards gives Ryan a unique perspective which adds value to both sides of the payment flow..