Mike Chambers is a recognised authority on retail payments and, as Chief Executive Officer, led Bacs Payment Schemes Limited (Bacs), the UK’s biggest retail payment system, from 2004 until 2018. During this time he successfully steered the company through a record number of payment processing, technological, regulatory and innovative customer proposition ‘firsts’ including extending Bacs’ product offering to include the ownership, management and market adoption of the Current Account Switch Service (CASS) and the Cash ISA Transfer Service. During his time at Bacs, Mike also led the UK’s systemically important RTGS payment system (CHAPS) as its CEO and operated the UK’s Faster Payment Scheme as its first Chief Executive creating the Payment System Operator (Faster Payment Scheme Limited). Mike was an integral part of the industry initiative which led to the New Payments Architecture (NPA) vision (including concepts such as Request To Pay and Confirmation of Payee), the regulatory endorsed merger of the UK’s retail payment schemes and the formation of Pay.UK. Having successfully merged Bacs into Pay.UK, Mike has developed a portfolio of roles including chairman, payments advisor, Non Executive Director, ambassador and awards judge. Mike also publishes a newsletter (Payments:Unpacked) which provides an independent and informed insight into the UK’s retail payments landscape, including exclusive payment insights, hot topic briefings and fundamentals unpacked. On his website (www.northeypoint.com) Mike also publishes a series of payment related trackers and occasional podcasts.