European expert in payments and financial services, Andréa Toucinho is Director of Studies, Prospective and Training of Partelya Consulting and Country Ambassador for France of European Women Payments Network (EWPN). France Representative of national fintech associations of Spain (Aefi) and Portugal (Afip), she realized three white papers about payments and is one of the co-authors of The PAYTech Book published in 2020 by Wiley