Ernst Stahl is Head of Payments at NTT DATA and deals with all aspects of payment transactions. His focus is on tracking and strategically evaluating important payment transaction trends. Prior to this, he was a director and partner at ibi research for many years. Dr. Ernst Stahl's consulting and project focuses are: The future of payment transactions in the area of conflict between innovation (CDBC and CBMT, ISO 20022, RTP, ZV trends) and regulation (e.g. PSD & RTS, PSR and RPS) as well as strategic management. Dr. Ernst Stahl is also the author of a large number of publications, moderator and speaker at numerous events and congresses as well as lecturer and instructor at numerous educational academies in the field of payment transactions.