Tim Richards

Tim has now been around long enough to remember payment cards before chip cards. In fact he helped design the original ones. Over the years he's worked across the entire payment industry on everything from EMV, contactless, chip-based mobility and digital id, Apple Pay, every kind of digital wallet ever seen, instant payments systems and - increasingly - CBDC. He's looking forward to moderating a fantastic panel on the impact of iPhone NFC access on banks' wallet strategies.