John Davies is co-founder and CTO of Incept5. Incept5 have been intimately involved in implementing Visa's new capabilities and initiatives around the payments world. John's past includes global chief architect at JP Morgan and BNP Paribas, co-founder and CTO of C24 later sold to Iona and then Progress Software where he was technical director. John specialises in high performance, low latency enterprise architectures, Incept5 have products ranging form top selling iPhone/iPad apps to a high performance matching and reconciliation engine and consult to a number of large clients on IT strategy. John has co-authored several enterprise Java and architecture books and is a frequent speaker at banking and technology conferences.