The payments industry is changing fast. From the launch of Apple Pay to the march toward EMV, merchants, card networks, banks and consumers are rethinking their assumptions and expectations and this year’s honorees are not only navigating change, they are leading it.

The 20 women we honor this year have advanced the pace of innovation, challenged competitors and fueled the creativity and ambitions of their colleagues. They represent diverse businesses, including retail banks, card networks, retailers and acquirers. They also represent a deep and varied range of experience, as each has followed a unique path to her current role.

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Authoritative analysis and perspective for every segment of the industry