Ali Imanat, Financial Fraud Action UK (FFA UK)
Amandeep Saini, CHAPS Clearing Company Limited
Arun Aggarwal, Independent
Carlos Sanchez, CEO, Orwell Group
Chris Higham, Virgin Money
Damian Richardson, RBS
Daniel Morgan, Innovate Finance
Darren Goucher, HSBC
David Chance, Dovetail
David Froud, Core Concept Security
Duncan McEwen, UK Cards Association
Eddie Abbott, Isban
Esme Harwood, Barclays
Faith Reynolds, Member, Financial Services Consumer Panel
Financial Conduct Authority, Observer
Howard Allen, Payfriendz
Ian Hooper, Capgemini
John Blanchfield, HSBC
Jon Matonis, Economist
Judith Crawford, Electronic Money Association
Kevin Smith, AIRFA
Mark Beresford, Edgar Dunn & Company
Mark Pettit, Visa Europe
Matina Papadopoulou, CHAPS Clearing Company Limited
Member, Faster Payments
Michael Maier, Chief Operating Officer, Fidor Bank
Mike Kelly, Independent
Mike Peplow, Payment Card Technologies
Natalie Beasley, Metro Bank
Neil Whittaker, BearingPoint
Nick Kerigan, Barclaycard
Otto Benz, Director: Strategic Payments, Virgin Money
Paul Thomalla, ACI Worldwide
Payment Systems Regulator, Observer
Richard Jones, VocaLink
Robert White, Santander
Roger Tym, Hogan Lovells
Ruth Wandhöfer, Global Head for Regulatory and Market Strategy, Citi Bank
Sailesh Panchal, Lloyds Banking Group
Simon Rose, BearingPoint
Stephen Grainger, SWIFT
Stuart Cole, Cheque & Credit Clearing
Tim Pigott, Nationwide
Tim Yudin, Payments UK
Tom Searles, Cheque and Credit Clearing Company Limited
Vicky Lloyd, Locke Lord
Yasmin Hands, Virgin Money