Given his former professions in the regulatory field (over twelve years in banking/finance industry, thereof almost nine years in banking and capital markets regulation), Philip's background/knowledge is substantially influenced by regulatory aspects. Having payments regulations as a major part of his former regulatory portfolio within Erste Group, as Product Owner for SEPA payments he is now covering payments from a rather different perspective - focusing especially on the payments clearing and interbanking part as well as the working on regulatory projects, e.g. Instant Payments Regulation.