Dan Schatt is the CEO and Co-Founder of Cred. Dan is a recognized expert in payments, mobile commerce, and retail financial services innovation and has been recognized as one of the top 13 “Innovators To Watch” in the payment industry by Bank Innovations Magazine. He is the best selling author of “Virtual Banking, A Guide to Innovation and Partnering” and a frequent financial technology speaker and advisor. In addition to Cred, Dan is also the Co-Founder of the Universal Protocol Alliance.