Andrew McClelland: An experienced speaker, host and commercial manager involved in eCommerce and IMRG for over 20 years. Andrew has been at the forefront of digital payment adoption, being the founder of the first ePayments and CNP Fraud forums for online retailers in the UK. Having worked with Merchants, Card Schemes, PSP's, eMoney providers, fraud prevention, and industry stakeholder groups and UK Government / EU Commission on Public Policy, Andrew has a detailed understanding of the key trends and issues facing the industry and consumers.