David G. W. Birch is an author, advisor and commentator on digital financial services. He is an international keynote speaker and recognised thought leader whose books on digital identity and digital money have been widely praised. David is Principal at his advisory practice 15Mb Ltd. and Global Ambassador for Consult Hyperion, the consulting arm of Fime. A Senior Research Fellow at King’s College Business School in London, he is Non-Executive Chairman of Digiseq Ltd and holds a number of other board-level advisory roles with companies in Europe and the USA including OneID, PaymentWorks, Au10tix and KYP – Know Your Partner. His most recent journal papers cover agentic finance, payment system resilience and non-human customers. Before helping to found Consult Hyperion in 1986, he spent several years working as a consultant in Europe, the Far East and North America.