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Thomas Barkias is a Supervisor at the European Central Bank. Thomas holds a B.Sc. in Mathematics, an M.Sc. in Computer Science and an MBA. His MBA thesis assessed the possible implications of DLT on the economy and society. He is a certified information systems auditor (CISA) and certified in risk and information systems control (CRISC). Thomas has more than 10 years’ experience in supervision and central banking, as well having held positions in several commercial banks. He has vast experience in IT regulation, supervision and onsite inspections, as well as in credit and operational risk, including internal models. Thomas has been involved in policy work at EU level for the Payment Services Directive (PSD) and the PSD2 since 2010. His work at the ECB focuses on the implications of fintech on all SSM banks. Special focus is given to the business models of new and incumbent banks, their internal governance arrangements, as well as their risk management processes in a highly competitive international environment.