Born in 1969. For more than 10 years, Francesco has been an expert in project development and initiation of customized loyalty programs, online, offline and mobile payment solutions. First mover and developer of the “Pay by Invoice” concept in Switzerland. With over CHF 100 million billing turnover and more than 5 million implemented proprietary and composite card concepts (Shopping Mall card, City Card, etc.), he is one of the key players in this industry. Francesco joined SWISSBILLING in November 2015 and become CSO.