Chris White is a Senior Consultant having worked for NatWest Bank for 32 years and six years in payments consulting with PSE Consulting. He has a wide base of experience in research and analysis, product development, project management, planning and credit related roles. He has also spent time in a training environment including both tutoring and course development. Prior to leaving Nat West he was involved in the e-commerce arena where he carried out major research on the e-commerce potential in emerging markets and was involved in the marketing of a chip-based identity card. He was also part of a team developing a remote Internet payment system where he developed a good understanding of the cards market, the internet and electronic purses. During his time at PSE he has conducted many consulting and research assignments into the European card market. He has a substantial understanding of the card issuing, acquiring and ATM landscapes in each of the 25 EU countries, as well as a through knowledge of banking and payments regulation.