Expert Topic

Mobile Payments

Mobile pay is poised to supplant the plastic credit card as consumers' choice for easy and secure payment at the point of sale.

Companies are clamoring for products and services to tap into this lucrative market, with banks, mobile network operators, retailers, handset manufacturers and others building payment solutions to replace the leather wallet.

Widespread security breaches involving credit cards at major retailers in 2014 are fueling the interest in a more secure method to pay for merchandise at the retail check-out point. 
Meet the Expert

About Ryan

  • Championed digital asset management before the data boom on consumer devices, and mobile applications before app stores existed; currently playing a leadership role in the mobile payments market.
  • Key player in the creation of SoftCard, a joint venture involving AT&T, Verizon Wireless and T-Mobile USA to develop the world's first wallet to span multiple banks, networks, and mobile operators.
  • Currently leveraging the real world experience of deploying mobile payment solutions to assist banks, mobile network operators, handset manufacturers, and everyone in between to deploy products that engage their consumers.
  • Named by in-Mobia as one of top 6 influencers in wireless industry; by Sports Business Journal as one of top 10 influencers in mobile sports; by Billboard as one of top 10 executives in mobile music.
  • Formerly two-time captain of the Cornell varsity hockey team, a second round draft pick in the 1990 NHL draft, and leading scorer and MVP of the Boston Bruins minor league team in 1995-96.


Founder • Bardown Inc.
Nov, 2015 — Present
  • Bardown advises major players in the mobile payments arena.
  • Currently assisting SamsungPay in several key areas spanning product strategy, business development, account management, and marketing.
Partner • Quesnay
Apr, 2014 — Nov, 2015
  • Quesnay helps banks, telecom providers, and retailers in the U.S. and Europe accelerate the launch of new products and services – from strategy to implementation; helps customers work with startups that have the right solutions for specific needs. 
  • Quesnay brokers the value exchange between wireless carriers, issuing banks, payment networks, and retailers.
  • With over 300 employees led by executives who have launched successful products in large companies, Quesnay has worked with some of the world’s largest banks and wireless carriers to launch products and innovation programs.
Chief Marketing Officer • Softcard (Acquired by Google)
Jan, 2011 — Apr, 2014
  • Softcard was a joint venture between AT&T, T-Mobile USA, and Verizon Wireless to leverage near field communications (NFC) to deliver on the promise of a mobile wallet.
  • Responsible for product strategy, business development, marketing & communications, issuer partnerships, international, web and application design, and user experience.
  • Primary contributor to the establishment of Softcard, originally known as Isis, by liaising with the CEOs of the wireless carriers to align on the business case; secured funding directly from Verizon’s board of directors.
  • Negotiated issuer agreements with Chase, Capitol One, Wells Fargo, Serve and American Express to digitize card portfolios for Isis Mobile Wallet
  • Led negotiations with Visa, MasterCard, American Express and Discover to support all four payment networks in first ever “open” mobile wallet.
  • Positioned Isis as a household name in launch markets through aggressive marketing campaign .
  • Started as employee #3. Grew Isis into ~500 full-time staff and a key player in the emerging world of mobile payments. One of a few key executives representing Isis in board meetings, and in Washington.
VP Business Development and Innovation • Verizon Wireless
Dec, 2006 — Jan, 2011
  • Led corporate business development, responsible for identifying new strategic revenue opportunities with direct responsibility of securing billions in “new money.” Reported to Sr. VP Digital Media, Product Strategy.
  • Head of mobile payments strategy and executive sponsor of Isis initiative, securing Verizon board of director approval.
  • Led all platform, application, operating system, social networking, and iconic mobile device negotiations.
  • Responsible for Verizon’s most strategic corporate partnerships, identifying market-polarizing new money opportunities, negotiating all new deals, and managing balance of trade on ~$1B+ annual relationships with Qualcomm, Cisco, Sony, Microsoft, Google, Alcatel Lucent, Sun, and Adobe.
  • Managed strategy and negotiations in search, mobile banking, payments, social networking, cross-platform video (EST), subscription music, flash, html, mobile ticketing, among others.
Head of New Media • National Hockey League
1999 — 2004
  • Reported to Sr. VP of Television and Media Ventures.
  • Responsible for business development initiatives for all new media and emerging technologies, including digital asset management, wireless, interactive television, video-on-demand, multimedia subscription offerings and the licensing of all digital media.


Cornell University
BS, 1993


  • Advisory Board for: SimplyTapp, Commerce Signals, and Money2020

Keynote Speeches

  • Mobile World Congress 2012Mobile Money: NFC Services Gain Momentum
  • Mobile World Congress 2013


  • Money2020, Mobile World Congress, CTIA
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