Hakan is a senior manager in Accenture's Banking practice. He is our thought leader in Europe for payments, with a focus on PSD2, Open Banking, digital payments and blockchain-based payment systems. During his career he has worked in Europe and Asia, and brings more than a decade of international delivery experience. He helps banks and payment service providers to innovate in a rapidly changing market environment of customer expectations, technology transformations and regulations. He has authored multiple papers and PoVs, participates in markets initiatives, consultations and industry working groups in the areas of payments, Open Banking and API standardization in Europe. Hakan holds a German Diploma in Computer Science (Dipl.-Inform.) from Darmstadt University of Technology, with focus on IT Security & Cryptography, Database Systems and Web Technologies. He is based in Zurich.