More than 13 years’ experience of heading Cash Management and Commerce area in the leading bank of Lithuania gives me the most valuable experience sharing insights of the main trends and changes in physical and on-line commerce. Exceptional opportunity of having data not only business customers (merchants) but consumers (half of private customers of Lithuania) behaviour allows to follow and analyse changes in the market and understand the needs of market participants. I truly believe in future of on-line commerce in Lithuania and ability of the market players and service providers to accept market challenges and be in the first line of adopting innovations in on-line payments.