Dr. Thomas Fromherz is a distinguished technology and payments expert with over three decades of experience in digital innovation. With a Master and PhD in physics from the ETH and the University of Zurich and advanced studies at the IMD Business School, he brings a unique scientific approach to business technology. After serving in different high-level technology and engineering roles in Los Angeles, USA, he joined G+D Netcetera, where he transformed the Payment & Card Services unit into a major international business division. As Chief Strategy Officer, Payments, he played a pivotal role in expanding operations into Asia Pacific. His expertise spans complex IT development, business strategy, and payment systems innovation. As a Fellow at Netcetera Group, Dr. Fromherz focuses on strategic initiatives across the G+D Netcetera organization