Lu lives in London with his wife and two teenagers – an evolving social media, payments and big data challenge.

He develops digital payments propositions, particularly in the emerging fields of Open API, new access models and real time payments. Lu previously worked at the IT consultancy Logica (CGI) and has over 20 years’ experience of payments systems implementation.

Having worked on one of the world's first mobile payment schemes and in the UK Open Banking Working Group, Lu's interests cover the impacts of digital consumer and regulatory trends. Lu is a behavioral economics and public policy hobbyist, often leading to thought-provoking views and commentary.

In his spare time, Lu consumes and burns calories – he is a keen cyclist (with a 4 day, 1200km Paris-Brest on his record) and a keen forager/cook.