Dr Windsor Holden is Head of Forecasting & Consultancy with Juniper Research. With more than 17 years’ experience as an analyst, he has authored more than 65 full length reports and research suites for Juniper Research, including 3 editions of its much heralded Mobile Commerce & Fintech series. His recently published research suites include The Future of Blockchain: Bitcoin, Remittance, ID Verification & Smart Contracts; Digital Content Business Models: OTT & Operator Strategies; Mobile Identity, Biometrics & Tokenisation and Mobile Money Transfer & Remittances: Domestic & International Markets. Windsor is a regular speaker at digital commerce and Fintech events. In 2014 and 2015 he chaired sessions at the CARTES Secure Connexions event in Paris, while other recent speaking engagements include the Amdocs Americas Summit (Orlando, April 2016), Biometrics 2015 (London, October 2015), Direct Carrier Billing 2015 (London, September 2015) and the mPayment Summit (London, June 2015). Windsor has a PhD from the University of Leeds and is also a former Research Fellow of the Institute of Communications Studies, University of Leeds.