Emma, a Senior Associate at MinterEllisonRuddWatts, specialises in the complex and rapidly evolving legal and regulatory landscape governing banking and payment systems. Her expertise spans traditional banking regulations and emerging areas such as open banking, digital payments, and cryptocurrency. She has worked closely with Payments NZ and the API Centre and has an in-depth technical knowledge of domestic clearing systems and the API standards with their associated legal framework. Emma has advised a range of clients providing services that overlay card schemes and the interbank payment network.