The FinTech industry is worth trillions, even as we watch startup valuations crash. People and businesses still need to pay for services, products, food, energy, gadgets, oh and beer!  The future is not cash, it’s not cryptocurrencies either, it could be Open Banking but the challenge is not innovation it is meeting the demands of the regulatory and compliance bodies. With well over 30 years of architecting and modernising banking and payments systems John will walk through some of todays challenges and solutions.