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Dr Perri 6 is a Senior Research Fellow with both the University of Strathclyde Dept of Government and the independent think tank Demos. 6's other publications is included. It clarifies the issues to be explored during the present debate on interoperability. SCS supplies the platform for the Malaysian GMPC card project. Mike Hendry is a highly experienced independent consultant in payment systems and electronic commerce, working with retailers, banks and service providers throughout Europe and beyond.