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Ludovic Francesconi is in charge of R&D projects at Cartes Bancaires CB. Backed by a large banking community, Cartes Bancaires is one of the leading Card payment schemes in Europe, with 58 million active cards, and a prominent player in web payment. Beside the FC² project, Ludovic takes an active part in Acsel association’s identity management working group, which goal is to examine the conditions for implementing a trust framework for interoperable identity management.