Zilvinas Bareisis is a Senior Analyst within Celent's Banking group and is based in London. Mr. Bareisis's research focus is on retail payments, including cards, e-commerce, and mobile payments. He has a global perspective with a particular emphasis on market developments in North America, the UK, and Europe. Mr. Bareisis has over 15 years of experience advising senior executives at the leading financial institutions and their technology and service providers across a broad range of strategic issues. Before joining Celent, Mr Bareisis was a principal at Oliver Wyman Financial Services, and he has also worked at Diamond Management and Technology Consultants and Cambridge Technology Partners. He has been widely quoted in the press, including The Economist, The Financial Times, The Times, The Daily Telegraph, The Banker, The New York Times, American Banker, PaymentSource, Cards International, Payments Cards & Mobile, and other publications. Mr. Bareisis is a frequent speaker, chairman, and panel moderator at the leading industry events, such as EFMA conferences, ATM, Debit & Prepaid Forum, CARTES, MobeyDay, and others. Mr. Bareisis has an MBA from Carnegie Mellon University and MSc in Applied Mathematics from Kaunas University of Technology. He is fluent in English, Russian, and Lithuanian.