![AGM_2014](http://www.oxon.bcs.org/wp-content/uploads/2014/11/AGM_2014.jpg)
We started the evening with the formalities of the Annual General Meeting agenda items. Details of which will be provided on this website.
![tim_presentation_2014](http://www.oxon.bcs.org/wp-content/uploads/2014/11/tim_presentation_2014.jpg)
After completing the activities of the AGM we were presented with a thought provoking view on the way payments are changing. Tim’s presentation generated considerable discussion and we ultimately ran out of time before we ran out of questions.
![ChangingFaceofPayments2014](http://www.oxon.bcs.org/wp-content/uploads/2014/11/ChangingFaceofPayments2014.png)
Tim has kindly provided a copy of his presentation which can be downloaded below.
[wpdm_file id=28]
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