Joe Tusin has over thirty years of tech industry experience comprising education, management consulting, enterprise software, hardware and cloud computing across the United States and Asia Pacific. Joe was the youngest Director of Research at University of California (UC), Berkeley and has deep experience in analytics in education, financial services, credit risk, and closed-loop customer relationship management (CRM). At Chynge, Joe is passionate in financial inclusion for the unbanked through the democratization and socialization of payments, and in making the world a safer place from financial crimes by applying disruptive business models and financial technology comprising artificial intelligence, machine learning, big data, biometrics and the blockchain.