Fred Bar is an expert in the European payments industry. From 1999-2006 he was Executive Vice President at Interpay, where he had responsibility for a.o. the Dutch automated clearing house, and then the marketing, sales and business development of all Equens services. He was part of the team that created the merger to form Equens, and served as board member in payments joint ventures and industry bodies. From 2006-2012, Fred worked as a Strategy advisor with EBA Clearing in Paris and Brussels and as Managing Director for Vocalink in London. He also was President of EACHA from 2010-2012 an industry association he helped to found in 2006. As a partner in Payments Advisory Group since 2013, a consultancy specialised on payments, he works as senior advisor to help clients, in Europe and beyond, to develop strategies and business/IT change programmes and deal with regulatory compliance, in the rapidly developing field of payments. SEPA, PSD1 and now PSD2 have been main themes.