Diederik BRUGGINK started his career with Capgemini Global Financial Services in 1996. He was appointed within ABN AMRO’s Market Infrastructures department as Vice President Payments and Cards in 2005, and in 2008 he moved on to Mastercard where he became a Senior Business Leader in the Global Debit team. From 2009, he was Vice President Card Schemes at the Royal Bank of Scotland and in 2012 he started his own consultancy practice as International Expert in Cards, Payments and Market Infrastructures. He joined WSBI-ESBG in 2017 as Senior Adviser Payments, with responsibility for all payments topics from a worldwide perspective. He is responsible for analysing the multiple dimensions of the payments market, proposing and assisting in agreeing member positions with respect to their payments' and related business, at times representing these positions towards policy makers, regulators, standardisation bodies, industry associations, and enabling a constant member dialogue on developments, with a particular focus on innovation. He was one of the key authors of the first three editions of the World Payments Report, makes regular appearances on conferences in the industry and he is a member of the Editorial Board of and a regular contributor to the Journal of Payments Strategy & Systems.