Tobias Wirth is a member of the Board of Directors at smama and Head Digital Products for Aduno Group. As a founding member of the smama association, a mobile expert of many years, and having held a number of positions in digital product development in the telecommunications, online and financial industries, he has a proven track record in the field of mobile services, focusing on mobile commerce and mobile payment. Over the last few years, he has realized a number of projects and apps with Swisscom, MasterCard and banks in the area of near-field communication (NFC), and brings with him his unique market knowledge of payment and wallet apps. Furthermore, Tobias Wirth is a lecturer at the Zurich University of Applied Sciences (ZHAW) and the University of Applied Sciences in Business Administration Zurich (HWZ).