Sandra leads the global payments team at Spotify, the world's most popular audio streaming service.  She is responsible for leading the growth, stability and future direction of Spotify’s approach to payments, and serves as Spotify’s representative on the Libra Association’s Council. Before joining Spotify, she provided consultancy services, including leading product and marketing at a fintech specialising in crypto/digital custodial and settlement services.  Prior to that, she was at the forefront of Visa's products and innovation for over 20 years, having led Visa's European functions responsible for the development and management of all issuance and acceptance products, digital and innovation.  Sandra led the fundamental change in the way people pay through the development and roll-out of Visa contactless payments across Europe. She pioneered mobile payments, from the initial vision through to the launch of Visa with Apple/Android/Samsung Pay.