Tim Richards is a Senior Technical Consultant and Solutions Architect specialising in secure transactions covering solutions and products and cryptographic security across payments, governments, mobile and transit sectors.

He specialises in Business and Technical Analysis, Requirements analysis a solution design, GDPR and PSD2 analysis, Multi-application smartcards (GlobalPlatform, MULTOS, Mifare), Financial sector applications (EMV, e-purse, PIN Management, mobile and Tokenization), Government sector applications (ICAO, e-identity), card issuance and enterprise management systems, Transit sector applications, payment ticketing and key management solutions, mobile management (NFC, HCE and BLE) and payment solutions, cryptographic security.