Jemma Smith

UKEX0039 Expert Head of PR - APACS APACS Jemma Smith is the head of PR at APACS. APACS is the UK trade association for payments and for those institutions that deliver payment services to customers. One of APACS' key responsibilities is co-ordinating a whole range of activities to tackle payment-related fraud, including the recent introduction of chip and PIN, which has been achieved hand-in-hand with the retail industry. APACS works to develop and promote world-class standards for use in payments systems in the UK.