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Get ready for the small payment revolution

Cardis has set out to transform the small payment ecosystem for the better—turn low value payments into small profitable payments for digital content providers, retailers and processors. Low value payments are the single largest growth opportunity for electronic payments. Cardis’ disruptive technology is poised to transform industries that will benefit from offering products at a more granular level. The small payment revolution is about to begin with innovations taking place in publishing, entertainment and gaming, to name a few. Here’s the team leading this game-changing technology solution.

Executive Team

Milos Dunjic

Chief Technology Officer, Cardis B.V.

Milos has over 20 years of experience in development of high performance and high availability transactional systems in financial markets, aerospace and telecommunication industries. Milos has held several senior level consulting positions with the Bank Of Montreal and IBM Global Services where he led teams developing front and back office derivatives, equity trading and order management systems. Before joining Cardis, Milos spent 7 years as the Director of Software Development at Toronto Stock Exchange. Milos holds a Master’s degree in Electrical Engineering with major in Computer Science from the University of Belgrade.

Moshe Tokayer

Senior Vice President – IT and Software Development, Cardis R&D Ltd.

Moshe has over twenty years experience managing software development projects. Prior to joining Cardis, Moshe consulted for several software startups in the areas of online gaming and website development. Prior to that, he managed the development of DiscGuard, a complex multidisciplinary product protecting music discs from illegal replication at the company that he founded. Before founding the hi-tech start-up, for a period of ten years, Moshe managed software development projects in the areas of cellular telephony and insurance. Moshe holds a degree in computer programming from New York University.

Juanita Gonsalves

Vice President - Product Management, Cardis B.V.

With more than 20 years of experience in emerging payments and electronic transaction processing Juanita has held senior positions with Scotiabank and merchant acquirer Chase Paymentech where her responsibilities included product development and strategic planning. An active participant in Canadian payment industry advisory groups, her accomplishments include a number of deployments of new payment technologies and developing POS communication network strategies.

Steve Brown

Senior Vice President - Finance, Cardis USA

A certified public accountant, Steve has over 15 years of senior management experience in publically traded companies. He served as board member and Chief Financial Officer of IDT Corporation where he guided the development of a growth stage telecommunications company through to its maturity as a public company, later founding and chairing IDT Entertainment, a media spin-off. During his tenure he also served on the board of publicly listed Net2Phone. More recently Steven was managing partner at the Mcguffin Group, a financial consulting firm advising early stage companies.


Avi Tokayer

Director - Cardis USA; Supervisory Board Cardis B.V.

Avi is a co-founder of Cardis. He has been involved in the smart card and electronic payment industry since 1994 and has attracted industry professionals to Cardis. Avi has extensive experience in the financial sector and previously was a Senior Partner at Ephod Management Group in NY that specialized in financing of start-up companies in various market segments. His financial experience and knowledge of the payment industry has been crucial to the success of Cardis to date.

Briant Biggs

Advisory Board – Mobile Strategy & Digital Music

Briant Biggs is the head of global mobile strategies at Roc Nation, where he serves as the brain trust behind all mobile applications. Roc Nation is a premier full service entertainment company and record label focused on artist, songwriter, producer and engineer management, music publishing, touring, merchandising and film and television production. In 2004 Briant successfully launched Swagger Wireless to provide marketing, promotions and production services for urban mobile content programs. He is an industry thought leader, regularly appearing on panels across the globe to offer his insights into the future direction of mobile applications across various industries.

David Kippen

Advisory Board - Corporate Development

David Kippen is an investment banker, advisor and principal investor with a background in mergers and acquisitions. David has been based in NY, San Francisco and London where he has focused on TMT and energy sectors globally with Credit Suisse First Boston, JPMorgan Chase, and UBS. Over the past 20 years, He has completed c. 40+ M&A transactions (valued in aggregate over $30 billion) as well as private and public, debt and equity financings in North America, Europe, Latin America and AsiaPac. David is also a private investor and corporate strategy and development consultant to venture/growth stage companies and has acted as interim CFO. He holds a Bachelor’s of Arts degree from McGill University in Montreal, and a Masters of International Public Policy from Johns Hopkins SAIS in Washington DC.

Motti Teicher

Advisory Board – Innovation

Motti Teicher is the founder of Cardis and the inventor of the Cardis Solution. Motti is a full-time independent research and development specialist and is active in training and coaching inventors in the hi-tech sector. Motti holds a degree in physics from the Haifa Technion and has 40 US patents issued to his name. Presently, Motti is working with Cardis on the next generation of patented innovations, to strengthen Cardis’ leadership in low value payments as the payments landscape evolves over the coming decade.

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