A digital financial services and digital identity veteran excited by the opportunity to deliver a trusted, secure and privacy-respecting internet, formerly known as the Metaverse. Interested in working with companies looking to deliver against their more difficult ESG objectives through the use of verified digital attributes to ensure that their services are age appropriate. Recently challenged by a group of school children to put in place the technology to stop them being bullied online and accessing adult services.I have an in-depth understanding of the technologies supporting digital financial and digital identity services around the world and a proven ability to translate between commercial and technical experts. My current interests include: • EMVCo specifications and their use to deliver market changing retail and transit payment services. • Age assurance technologies and their use to comply with local and international Online Safety Regulations.• Digital Attribute and Verified Document Sharing• Tools and techniques to Secure PII and Account Information in Mobile Applications• Governance and operation of Robust Digital Identity, Payment and Ticketing Services• Open Banking, Faster Payments, ACH and P2P Payments, CBDC• mPOS, SoftPOS, mobile phone use as payment terminals, Kernel 8• Strong Customer Authentication within the EU’s PSD2 and GDPR regulations• Payment Processing Platforms and the Issuance of Plastic and Virtual Payment CardsI have the pleasure of working closely with a successful, experienced team of consultants and developers, embedded within our client’s project teams, managing the design, acquisition, implementation and operation of services that have changed peoples’ lives around the globe. At least one will be in your wallet (credit, debit cards) or on your phone (OEMPays, mPESA).