Marc Hemmerling (MSc in Computer Sciences) is Member of the Management Board of ABBL the Luxembourg Bankers’ Association. The domains covered by Marc Hemmerling are: retail banking, payments, ICT, standards and innovation. As such, Marc is, amongst others, secretary of a number of ABBL technical committees and working groups, and SEPA implementation coordinator for Luxembourg. Marc also liaises with various national committees chaired by the Luxembourg Central Bank and the financial sector supervisor CSSF. In addition, Marc is Vice-President of EuroCloud Luxembourg, Member of the Board of ICTluxembourg and Steering committee member of the Luxinnovation ICT Cluster. He is deputy member of the National Data Protection Agency – CNPD representing the financial industry. At the European level, Marc chairs the Payment Systems Committee of the European Banking Federation (EBF). He was also involved in a number of European Commission expert groups, notably on e-invoicing and customer mobility and is currently Luxembourg’s representative in the European Multi-stakeholders Forum on e-invoicing and co-chairs the eifL – the Luxembourg Forum for electronic invoicing. Finally, Marc currently acts as Chairman of XBRL Europe, Secretary General of XBRL Luxembourg. Before joining the Luxembourg bankers’ Association, Marc Hemmerling, has been CIO of Cetrel – a card payments services (acquiring business/issuing business) provider acting as national clearing and settlement technical agent – which he set-up in 1986. Marc Hemmerling started his career as civil servant in the Luxembourg Social Security IT centre as head of IT systems and data centre operations.