Fred Bär is a partner in Payments Advisory Group, an international business consultancy specialized in payments. He has advised on PSD2-related topics, on Instant Payments developments in Europe and recently on launch of the Vietnamese NAPAS ACH (with World Bank/IFC). He is the Secretary General of the European Automated Clearing House Association, of which he is also a former President. He was Director at various payments processors (equensWordline, EBA Clearing, Vocalink), a Board Member of International Giro Services, and a Board member of Interpay EGI, the first Dutch E-Money Institution. Prior to payments, Fred worked in the Telco-, Energy- and IT-industries.