Javier Borkenztain is one of the few experts in electronic money in Uruguay. He had a key role in the mobile payments industry while working at Micropagos, where he developed for the most important players in the Uruguayan financial industry, like Visa Facilcel, Visa Mobile Payment, OCACel, Credicel, Banca Movil Santander, Itaú and other similar products, such as paying for parking by SMS and mobile payment products for Movistar (Telefonica). Thanks to Javier’s work, Micropagos was awarded for innovative entrepreneurship in 2011 (Premio Nova). Moreover, Javier has been a consultant in various industries (Marfrig Global Foods, Akzo-Nobel, Coca-Cola, Botnia, Weyerhauser, etc.). He is Industrial Engineer from Universidad de la Republica and has an MBA from IEEM (Escuela de Negocios de la Universidad de Montevideo). He is very friend of his friends and has recently joined an old friend from school, Daniela, not for talking about old times but on shared future dreams.