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- 2002 off to Toronto to drive the adoption of EMV, Smart Cards “Chip and Pin” for Visa.
- In 2004 once more a management consultant, focusing on business and technology strategy functions at the C-level.
- The focus was on learning about fare-collection and mobile payments, while working with companies who need to do Chip and PIN, expand into Canada, and supported various technological innovations.
- In mid-2007, if the Canadian chip story was not underway, then it was not going to happen by 2010.