Thomas Lammer is a Member of the Committee on Payments and Market Infrastructures (CPMI) Secretariat at the Bank for International Settlements and focuses on cross-border payments and financial inclusion. Prior to joining the CPMI Secretariat he worked for more than eight years at the European Central Bank, where he had different roles, such as Secretary of the Eurosystem’s Market Infrastructures and Payments Committee and most recently Principal Market Infrastructure Expert/Team Lead in the Oversight Division. During his three years as Senior Financial Sector Specialist at the World Bank Group, Thomas worked on global financial inclusion initiatives and contributed to payment system reforms in a variety of countries, mainly in Sub-Saharan Africa and South East Asia. In 2008 he was a visiting expert at Banca d’Italia. He started his career at Austria’s central bank in 2001, where he managed payment infrastructure implementation projects. Thomas has published books, reports and articles on payments.