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Zilvinas Bareisis researches and advises clients on consumer payments. He has a keen interest in payments innovation, and how the “perfect storm” of competitive (e.g. Fintech), regulatory (e.g. EMV, PSD2), and technology (e.g. digital, blockchain, Internet of Things) developments shapes consumer payments today and tomorrow. Zilvinas has over 20 years of experience advising senior executives at the leading financial institutions and their technology and service providers. He joined Celent in April 2010 from Oliver Wyman.