As the mind behind MIQA and founder of Lakeland Scientific, Cliff brings nearly 40 years in payment industry experience. He’s helped shape the infrastructure of modern transaction processing—often from the shadows, always with precision. Whether decoding interchange math or torching outdated industry logic, Cliff prefers clean code, clear answers, and no excuses
John is an accomplished senior technology thought leader with over 30 years of demonstrated success in the revenue generation and application development side of the software business. As a product leader he has led several companies from inception to revenue in logistics, payments, health care and financial services. John brings experience building teams to support the design, development and launch of cloud based applications. John will be instrumental in leading our technology role out.
Trip brings over 30 years of experience in software innovation, system architecture, and leadership. A seasoned CTO and holder of multiple technology patents, he has guided startups through growth and acquisition. His academic roles at Drexel and collaborations with institutions like UC Berkeley and IIT Bombay highlight a career at the intersection of technology and education. From pioneering digital multimedia tools to developing HIPAA-compliant platforms, Trip’s expertise informs our strategic direction and technical integrity.
Pat is singularly focused on the inspiration, development and roll-out of high growth business development initiatives, usually focused around one-of-a-kind partnerships, whether Fortune 500 companies or start-up ventures. His key successes include partnerships with MasterCard and Nelnet in the higher education, medical and insurance verticals. His boldness as co-founder of what is now CardX led to the revolution that is surcharging. Pat plays a key role in business development and the future growth of our products and services.