The Electronic Money Association (EMA) is the trade body for electronic money issuers and innovative payment service providers including payment institutions, banks and payment schemes. We provide members with a forum to share issues that impact new means of payment, and provide a means for pursuing these to resolution. We have been involved in the negotiation of a number of payment-related European Directives, regulations and implementing legislation. We develop industry good practice in areas of compliance, customer service and enable the sharing of know-how. We have provided a voice for the industry with government, public bodies, businesses and consumer groups. The EMA has been privy to the evolution of innovative payments from small niche offerings to a growing sector that is offering alternatives for payments to consumers and businesses alike. Visit our website: www.e-am.org Connect with us on twitter: @EMoneyAssoc