Jan Oetting is the Chief Information Security Officer (CISO) at Paymenttools, the internal fintech powering REWE Group, one of Europe's largest retailers. He oversees the security strategy for a high-volume payment infrastructure operating over 50,000 terminals across four countries. Jan advocates for a "Secure by Design" philosophy, moving security from a reactive compliance function to a proactive architectural driver. He specializes in designing robust, privacy-preserving payment architectures and unlocking the strategic value of digital identities—such as the EUDI Wallet—to disrupt global fraud models and restore European digital sovereignty.