Ricardo Amper
Ricardo Amper is the founder and CEO of Incode Technologies, launched in 2015 in San Francisco to transform the digital identity space. Under his leadership, Incode develops AI- and ML-powered, privacy-centric solutions that help banks, governments, retailers, and other industries reduce fraud, increase revenue, and deliver seamless user experiences. A serial entrepreneur with over 20 years of experience, Ricardo previously founded La Burbuja Networks, co-founded Amco Foods (acquired by Grupo Bimbo), and led Grupo Amco before selling it to Brenntag. Born in Mexico and based in San Francisco, he continues to advance Incode’s vision of “One Identity Everywhere,” enabling broader access to services while empowering users to control their identity information.
After a turbulent 2025, retailers were hoping for a strong golden quarter to close out the year. But their adversaries also typically thrive during the holiday season, as shoppers flood online stores and sales are prioritized over fraud protection. It’s a challenge set to continue in 2026. Some 90 percent of U.S. businesses are concerned…




