Built for the organizations
that issue trust.

Bryce Davis is the Chairman and Co-Founder of PayCloud Innovations, where he guides the company's vision, governance, and most strategic relationships. With nearly two decades of experience across banking, payment technology, risk mitigation, and identity authentication, Bryce leads PayCloud's enterprise customer and partner engagements and oversees the company's legal and governance foundations, the trust architecture behind the One Touch World™ platform.
An active investor in technology companies advancing payment innovation, Bryce has successfully closed multiple seed rounds and holds ownership in several companies on the acquiring side of the payments business. This gives him a working command of both sides of the transaction, from merchant acquiring to issuer and wallet infrastructure. He brings that operator's perspective and an investor's discipline to how PayCloud builds: rigorous governance, clean structure, and partnerships chosen for long-term value.

Shelly Cofini is the CEO and Co-Founder of PayCloud Innovations — an innovator and technology leader with a 30-year career driving digital transformation across payments, fintech, and emerging tech. Her hallmark is transitioning companies from early stage to revenue and scale: she has led multiple successful seed raises, including a $20M round, and is known for the channel development that turns breakthrough technology into sustained, scalable revenue.
At PayCloud, Shelly leads the vision, positioning, and commercial strategy behind the One Touch World™ platform and its Apple SE/TSM-as-a-service ecosystems. Previously Chief Revenue Officer at MERIDIUN and CEO of equitystore.com, she has consulted alongside Oracle on digital transformation for major retailers including Target, Walmart, and Tractor Supply, and advised startups and Fortune 100/500 organizations through The Cofini Group. She served on NAHREP's Corporate Board of Governors and is a sought-after industry voice — from Shop.org to NRF panels. A super-connector, storyteller, and operator, Shelly translates complex technology into clear commercial outcomes.

Ayşe Nil Sarıgöllü is a global technology leader with 20+ years of experience across deep tech, software engineering, hardware development, mobility, smart cities, and payments. She has a proven track record of scaling high-growth companies, leading innovation, and guiding cross-functional teams across international markets.She has spearheaded multiple pioneering deep-tech initiatives and is widely recognized for her strategic vision in applying emerging technologies to transform industries. Since 2018, she has served as a Jury Member for the European Innovation Council (EIC), supporting breakthrough ventures across Europe.Under her leadership, her companies received major industry awards—including Deloitte Technology Fast 500/50 recognitions, Thales EMEA Sales Innovation Award, European Business Awards honors, and the MasterCard Innovation Award. Ayşe’s personal accolades include the Silver Stevie Award for Female Executive of the Year, The Economist’s Top 50 Most Powerful First Female CEOs, and Digital Age’s Top 30 Most Inspiring First Female CEOs.

Murat Goksenin Guzel is a globally recognized technology executive and payments architect with over two decades of experience designing and delivering innovative enterprise solutions across the global payments and fintech ecosystem. His expertise spans cloud-native architecture, AI/ML, EMV, NFC, and digital transformation, with a track record of leading large-scale programs in payments, smart city systems, e-commerce, and emerging technologies.At PayCloud Innovations, Murat serves as a senior strategic technology leader, helping to guide the evolution of PayCloud’s secure, cloud-based payment and treasury management platform. He plays a critical role in shaping the company’s architecture for digital credential provisioning, Apple NFC and Secure Element (SE) enablement, EMV and open-loop transit, and real-time transaction orchestration for enterprise clients.Throughout his career, Murat has held executive and leadership roles at global payment technology providers, where he has overseen the design and deployment of mission-critical systems, including EMV card issuance, instant issuing, POS and payment gateways, and large-scale transit and smart city payment infrastructures. His work has supported banks, processors, and enterprises across multiple regions in modernizing their payment stacks and accelerating digital transformation initiatives.Murat is an award-winning innovator, honored with multiple industry distinctions such as EPCA and Sesames Awards, as well as recognitions from Mastercard and Visa for groundbreaking work in instant issuing, EMV open-loop transit, and NFC adaptation.Known for bridging deep technical expertise with strategic vision, Murat continues to advance PayCloud’s mission to deliver secure, scalable, and future-ready financial technology for modern enterprises.

Kathleen Tobin is a growth-driven enterprise partnerships executive with deep expertise spanning payments, digital identity, and credential innovation. With a career forged at the intersection of global go-to-market strategy and technology commercialization — including leadership roles at Visa, Mastercard, Citi, IDEMIA, and Private Identity — she has built and scaled programs generating more than $1B in incremental revenue across global enterprises. At PayCloud Innovations, Kathleen leads the company's global partner strategy, accelerating adoption of cloud-native credentialing, digital identity, and embedded payments solutions across banks, networks, fintechs, and enterprise platforms. A former founder recognized by Entrepreneur Magazine as one of the "10 Best Start-Ups," she brings a rare combination of entrepreneurial agility and Fortune-level execution to every partnership she builds

Bengt K Horsma is a senior payments and fintech executive with 30+ years building, scaling, and monetizing payment solutions across the whole ecosystem — from network infrastructure to consumer-facing digital commerce.
Currently at PayCloud Innovations Bengt leads opportunity development via partnerships as VP of Partnerships -  Payments Infrastructure and Ecosystem to re-establish the TSM ecosystem to give issuers, merchants and other mobile app owners control and flexibility to allow their consumers to add their credentials more independently and specifically into secure elements of mobile devices for use at POS.   

Previously as Head of Strategic Payments Partnerships at Arrive (formerly EasyPark Group), he was part of building a Payments Business Unit including a Value Creation Plan targeting $20M in incremental EBITDA,  through consolidation of global acquirer and gateway relationships into single agreements and initiating cross-sales strategies of payments services as well as operational savings from payment processing optimization .
Previously as SVP and General Manager at Passport Labs, he built a payments business unit, which grew payments net revenue from $6M to $12.8M in 24 months and drove the company to positive EBITDA.   At Synchrony Financial, he created the digital payments strategy and launched four On-Behalf-of services for retail partners, including the first private label card added to ApplePay.   At Visa, he built and commercialized the Visa Mobile Provisioning solution, which evolved  into VisaToken Service — now the global standard for network tokenization and provisioning.   Earlier at First Data, he launched the industry's first contactless payment stickers, and the TSM solution for the first version of Google Wallet and at MasterCard he co-created PayPass, the contactless standard underlying ApplePay, GPay, and Contactless EMV.
Bengt holds 5 patents, guest lectures on PayTech at Georgia Tech's Scheller School of Business, and advises SaaS and PaaS startups related to payments