Thomas J. DeLuca, Chief Executive Officer, AMP Creditech Services Ltd.  A member of the SME Finance Forum Advisory Board, Tom has over 25 years of experience in digital transformation and technology innovation in merchant payments, consumer banking, micro & small business (MSME) financial solutions, microfinance, financial inclusion, digital security, and fraud prevention. Tom was a founder of AMP Credit Technologies providing loan origination automation technology to banks, prior to that, Planet Payment, one of the first multicurrency payment processors to merchant acquiring banks, which floated on NASDAQ and was subsequently taken private. Before his entrepreneurial initiatives, Tom was an attorney at American Express, where he provided legal and strategic advice to the merchant services division on general commercial issues pertaining to credit card transaction acceptance. Tom received his B.A., J.D. and M.B.A. from St. Johns University and his LL.M. in international trade and business transactions from Fordham University, all in New York.