Ronan Hughes is Principal Architect for Bank of Ireland, delivering new technology and solutions to customers. Previously, he served on the European Payment Council’s Scheme Management Board and was Head of European Payment Schemes for the Royal Bank of Scotland (RBS). He has also chaired RBS’s Euro Payments Board as a member of the UK Payments European working group and has acted as shareholder in the European Banking Association. He can be reached at ronana.hughes@boi.com.