Michael Niczyporuk is a former physicist turned FinTech and payments executive who has built and grown technology-driven businesses across Visa, USAA, Citi and Capital One. Having spent his career making financial services more inclusive and empowering using technology, Michael is passionate about ensuring that everyone benefits — and that no one gets left behind — amidst the dramatic shift to digital across all aspects of our lives. Michael received his Ph.D. from the University of Illinois at Urbana-Champaign and his B.S. from the Massachusetts Institute of Technology, both in Physics. Originally from Kraków, Poland, Michael immigrated to the United States in 1983 and is proud to call San Francisco his adopted home.