“The evolving social and digital media platforms and highly innovative and relevant payment capabilities are causing seismic changes in consumer behavior and creating equally disruptive opportunities for business.”

Howard Schultz is an American businessman best known for leading Starbucks from a regional coffee chain to a global brand. He served as the company's CEO and chairman for multiple terms, shaping its growth and corporate culture. Schultz is also recognized for his public commentary on entrepreneurship, leadership, and social issues.