Payment and Settlement Department, The People’s Bank of China Patrick de Courcy, Head of Markets Asia Pacific, SWIFT Junya Tanaka, Board of Managers Representative, EMVCo Liu Fengjun, Assistant President, China UnionPay Fan Zhiming, Vice President & General Manager of Finance Business Department, Alipay Rupert Keeley, Senior Vice President for the Asia Pacific region, PaypaL Rajiv Kapoor, EVP and General Manager Marketing, Visa International-- Asia Pacific Fang Yanan, Vice President, Union Mobile Pay You Feng, Managing Director, China Mobile E-commerce Co. Ltd Jin Yongzhe VP, SK Telecom Xiao Jinxue, director of innovation business department, China Telecom Cai Dong, General Manager for E-Banking, ICBC Zhao Xianxin, GM for Risk Management, Shanghai Pudong Development Bank Lorain Lam, Vice President, Development Bank of Singapore Li Qing, Vice GM for E-Banking, Bank of Communication David Lynch, Group Head of Consumer Banking Operations, Standard Chartered Bank Thomas Ko, Senior Vice President、Global Product Head of mobile solutions Carl Clump, CEO, Retail Decisions