Nilixa is the founder of Payments Solved a regulatory consultancy advising on the regulatory framework for digital assets, open banking, payment services and fintech both in the UK and globally. Nilixa is an experienced regulatory expert and lawyer with a Masters in European Competition Law and over 20 years of banking and payments experience gained from her time at Barclays, the FCA, the EBA and as Head of Regulatory at the Open Banking Implementation Entity. Nilixa sits on European Payment Systems Market Expert Group and ECB Digital Euro Market Advisory Group and was the policy lead at the Financial Conduct Authority on all UK and EU payments and e-money related matters working together with HM Treasury on the negotiation and transposition of PSD2 and EU agencies on the PSD2 RTS. Nilixa has been seconded to the European Banking Authority and has also worked extensively with the European Commission, the European Central Bank, the World Bank, EU and other regulators across the globe. Nilixa has represented the UK and FCA on various EU and UK level committees including the ECB SecurePay Forum, the EU API Evaluation Group and the UK Payment Strategy Forum, is a well know public speaker and works with industry, regulators and legislators to drive changes in the banking and payments ecosystem for a payments and open banking landscape that is secure, transparent and inclusive.