• Bell Aliant
• NHTCU & FBI
• Peter Allor
• Marcel van den Berg
• Rainer Böhme
• Bob Burls
• William Cheswick
• Carlos Cid
• Anton Chuvakin
• Dave De Coster
• Lord Errol
• Boris Goranov
• Martijn de Hamer
• Elly van den Heuvel
• Jaap-Henk Hoepman
• Bart Jacobs
• Sari Kajantie
• Mark Koek
• Jos Kuijpers
• Brett Lambo
• Eric Luiijf
• Scott McIntyre
• Milton Mueller
• Pär Österberg Medina
• Carol Overes
• Richard Perlotto
• David Rice
• Marcus Sachs
• Jacques Schuurman
• Alex Shipp
• Lance Spitzner
• Don Stikvoort
• Gigi Tagliapietra
• Jan Joris Vereijken
• Rémon Verkerk
• Randal Vickers
• David Watson
• Tillmann Werner
• Maurice Wessling
• Colin Whittaker
• Georg Wicherski
• Nicholas Witchell
• Dave Woutersen

Colin Whittaker is the Head of Security for APACS. His role is to provide through his team the focus for information security issues within APACS and to provide direct support to APACS members.

Amongst many issues, he is currently addressing the rise in attacks against the customers of e-banking services and the development of a co-operative and collective industry response. In this task he has contributed by building a strong relationship with UK law enforcement agencies and other partners around the world. He is actively involved with a range of technical information security issues including PKI and personal identity, as it relates to the payments industry and as new delivery channels are developed between financial institutions and their customers. In this work he is closely involved in reviewing the many consultative papers emerging from the UK government on the move to personal identity, E Government and its relationship with the future Digital Citizen.

Prior to assuming this position in 2001, Colin served as an officer in the British Army where he carried out a wide variety of appointments dealing with Information Security, including the provision of Information Security consultancy, directing major information security research programmes, and international liaison officer.

APACS is the UK trade association for payments. It provides the forum for the UKs financial institutions to come together on non-competitive issues, to develop banking systems for the future and to provide innovation and developments in payments. It is also the banking industry voice on payments issues such as plastic cards, card fraud, cheques, electronic payments and cash.

Biometrics in many pundits minds are rapidly becoming the silver bullet for all authentication requirements. This is often based on some very grave and false assumptions on their capabilities for real world use, and a misunderstanding of the ease with which they can be deployed. There is also a danger when biometrics are put forward as a solution to fail to apply the classical security and business risk assessments to determine if and how the technology should be used. We in APACS have been monitoring biometrics technologies for a number of years in order to understand what role it could play in banking and payment systems, especially in the area of customer authentication. The aim of this presentation will be to assess the current capabilities and limitations of biometrics and assess how ready these technologies are for use in our sector, and in doing so help to provide the basis for a more reasoned and balanced debate on biometrics.