Johan has been actively shaping payment innovation on the European market, focused on architecture, solution design and user oriented innovation, since 20 years. Starting from a strong security core, widened his knowledge of the payment landscape as head ofArchitecture, focusing now on Business innovation. Currently, Johan is responsible for the diverse Worldline Labs teams working around the industry’s fundamental pilar of Trust. He and his teams are at the forefront of designing frictionless digitized services, combining diverse payment means with privacy-preserving credentials and latest biometric & risk driven authentication techniques that power the digital ecosystems of the future.