Finextra (www.finextra.com) is the place for financial services professionals to learn and contribute to what is happening in the transformation of transaction banking and payments industry. Finextra covers all the developments and changes driven by technology, regulation, competition and customer expectation.Finextra has over 30,000 members worldwide, and with 425,000 unique visitors each month it is the leading fintech news site on the internet. Members are fintech innovators inside banks and financial institutions, fintech software vendors, and a new generation of startups and consulting organisations. It brings the community together and provides a platform for discussion and debate through a range of online services, conferences, events and research. Simulocity (www.simulocity.com) has a single focus: to simulate highly complex real-world business situations and so enable corporates and financial institutions to rapidly improve the quality of their future business decisions. compromise to existing systems. Simulocity is part of Time Machine Capital, a private UK registered company investing in disruptive and industry changing technologies, focusing on artificial intelligence.Previously, a director of The SEPA Consultancy Ltd who provide independent insights and consultancy to transaction services banks, corporates and software providers to respond effectively to the ongoing challenges of the market place.Until 2010 worked for The Royal Bank of Scotland and held several senior management positions throughout a long career, latterly that of Director, Corporate Payment Services Strategy within Global Transaction Services. In this role, Past roles at RBS include senior management responsibility for Payment Operations, Global Product Management, Treasury Clearing & Settlement. Overall, his experience covers developments in fintech, market infrastructures and developments, working with established payment providers, banks, startups and corporate companies.