As Head of Digital at Visa, Volker Koppe is responsible for market development and introduction of mobile payment services in Central Europe. Volker has extensive experience in Marketing and Sales, especially in the card and e-payment business. From 2008 until 2011 he pushed the introduction of the new debit card V PAY in Germany, Austria and Switzerland. Since 2012 his focus has been on innovative services within the Visa Digital initiative. Before joining Visa, Volker held the position of Marketing Director for the German electronic purse product GeldKarte, at EURO Kartensysteme GmbH, from 2002 until 2007. In 2005 he founded the Initiative GeldKarte e.V., a non-profit association of banks, technology providers and merchants, promoting the use of chip cards; he served as President until 2008, overseeing the development and introduction of new chip card functions. Earlier, Volker built the marketing and product management department at Seals GmbH, a spin-off of Lufthansa AirPlus for web-based electronic document exchange between companies (including Electronic Bill Presentment).