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Douwe is one of the thought leaders in the ecosystem of ‘digital transactions’, shaping breakthrough business and market innovations, standards and schemes. He is Founding Partner at INNOPAY, a consultancy firm for digital transactions with operations in Amsterdam, Frankfurt, Berlin and Stockholm. Its head office is located in The Netherlands, where INNOPAY has the #1 market position. INNOPAY’s team includes more than 50 experienced domain experts who regularly advise a wide range of global organisations.