Andy Tobin is Evernym’s managing director in Europe. He has 30 years of experience delivering innovative technology solutions to complex business problems. His career has spanned the three rapidly converging sectors of identity, mobile and payments. He has written code to control cash machines, built the world’s first mCommerce server, run a £1.2bn mobile messaging network and been CTO for Europe’s first fully mobile bank. He is a passionate technology strategist who dropped everything to join Evernym. He believes that the identity ecosystem and the personal information economy is poised for massive change, triggered by the capabilities being delivered right now by Evernym. The result will be a new and rapid growth in “IDTech” innovation which will dwarf what’s happening in Fintech, and a shift to a more open, post-silo world.