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Michael is an internationally recognised leader on business innovations especially in the digital and financial services space. In this capacity he is board-level advisor to banks, national and international associations for example the European Commission, the EPC and the ERPB and further major boards. He is widely published (and cited/translated into many languages including German, Italian, Dutch, Finnish, Polish, Russian and Japanese) and appears regularly as keynote speaker at leading events and across all print, broadcast and electronic media. equensWorldline is Europe’s leading payment provider that processes over 17 trillion Euro per year. Previously he was IBM's Director of Market Development Media and Communications Technologies and studied at Cambridge University, UK.