Nick Green [the CEO of ISD Consultants] is a key player in the UK payment industry with over 20 years experience. After 15 years in the communications industry specialising in data communications and networks. He joined Barclaycard in 1983 [then the UK's only Visa acquirer] to manage their authorisation terminal estate. He managed Barclaycard's installation of the first electronic data capture terminals in the UK in 1986. He has been active in the UK EMV programme since 1994 and in the Chip and PIN at Point of Sale migration. This resulted in his secondment to the UK Chip and PIN Programme Management Office in 2002 as assistant to the Technical Director. Nick has extensive knowledge of and involvement with the UK Association for Payment Clearing Services standards [APACS60, APACS30/40 APACS70 and APACS50/29]. He has presented the UK EMV Experience at seminars in the UK, Athens, Dublin, Sofia, Istanbul and Bahrain. As a Consultant within Barclaycard Merchant Services he supported internal teams and retailers in preparation for EMV. Now an independent consultant in the EFT and Chip and PIN environment supporting acquirers, card issuers, retailers, EFT software vendors and terminal vendors in the implementation of EMV and Chip and PIN. He remains an active member of the UK standards groups and industry working parties representing Vendorcom of which he is an associate Consultant.