Simon Laker is a Principal Consultant who heads Mobility Payments and the US consulting team. A global authority on the implementation of open payments systems in public transport, using a payment credential as a token for travel. He worked with Transport for London and the major payment schemes to define the operational and transaction models to support the use of payment cards in place of transit tickets in the UK. His work has subsequently been adopted and deployed globally by the Payment Schemes. Simon is currently using his knowledge to help define similar schemes in North and South America including the MTA in New York, the MBTA in Boston and WMATA in Washington. He is also advising domestic and PIN Debit Schemes on their strategy towards Open Loop Transit Payments and authoring briefing papers on the specific risks and opportunities within the emerging global transit markets for senior executives within the Payment Brands.