Caroline Birchinall is responsible for the management and ongoing development of 3-D Secure in Europe. With a passion for innovation and new technology, Caroline has developed payment programmes in Europe and Asia and acquired a wealth of insight about the trends in card payments globally including the effects of regulation. Prior to working on Visa’s authentication solutions, Caroline managed Visa’s Credit and Co-branding products, worked with Acquirers to develop new merchant sectors and led the development of Prepaid. Before coming to Visa, Caroline worked for HSBC in the UK and Hong Kong.