Our latest insights

Our Ambassadors

Do you have the same passion for the payments industry as we do? Are you an expert in a particular payments field?  Would you like to share and pass your knowledge on to others?

Why not become an Ambassador of The Payments Association?

As an Ambassador we entrust you with our brand.

  • Support us in creating awareness, attention and desire from new members to join
  • Help our current members who want to understand more about the emerging payments and how it works
  • Help improve our community’s effectiveness

If you would like to contact any of our ambassadors, Calum Stephens will be happy to introduce you.


David Carr

CEO, EU Prepaid Ltd.

David Parker

CEO, Polymath Consulting

Jackie Barker

CEO, Barker Consultancy Ltd

Alan Smith

Founder, Defrayal Limited

Mark McMurtrie

Director, Payments Consultancy Ltd

Michael Chambers

Director, Northey Point

Dr. Ruth Wandhöfer

Teresa Connors

Client Director, Payment Matters

Ravi Meshram

Alliance Director, Open Banking Excellence

Anne Pieckielon

Independent Payments Consultant

John Schratz

Managing Director, Eclipse Enterprise Consulting

David Carr

David begun his career in financial services in 1992 and in 2003 started working within the Payments Association arena with the launch of Prepaid Gift Cards in the UK. In 2008 he established EU Prepaid to provide consultancy services around the sector. Since 2003, David has been involved in designing and launching over 70 Prepaid Card programs including programs for the following sectors: Gift, General Purpose Reloadable, Payroll, Money Transfer, Youth, Incentive, Government, Insurance, and Multi-Currency.

David Parker

David Parker got into Prepaid Cards in 2002 and in 2005 set up Polymath Consulting which has concentrated on consultancy services in Prepaid and Payments Association since then. Polymath Consulting have delivered over 100 projects across 20+ markets globally – from Nigeria and Kenya to Sri Lanka and Eastern. In addition the breadth of our work ranging from standard RFP’s for issuers, processors, to market entry strategy and risk/fraud provides a truly end to end view of the emerging payments arena.

Jackie Barker

From business plan and strategy to implementation and ongoing product management, Barker Consultancy specialise in providing a ‘cradle to grave’ service to clients who wish to add prepaid card, digital codes and mobile wallets to their armory. Jackie is CEO and established the Barker Consultancy in 2009 and has over 20 years’ experience in the prepaid market in the UK, Europe and Asia. She is delighted to be an Payments Association Ambassador and looks forward to supporting the organisation and its many members.

Alan Smith

Alan has over 20 years experience in the payment sector and is the founder of Defrayal Limited, a payments consultancy business working with banks, payment providers and retailers to provide expert guidance on all things payments. Until May 2019 he was Managing Director of a leading prepaid gift card provider and through his leadership produced excellent financial results which helped the successful sale of the business in February 2019. Prior to this, Alan was Head of Payments & Banking at the Post Office responsible for a range of financial services products and group payment processing.

Mark McMurtrie

Mark McMurtrie is an award winning Independent Consultant who focuses on Payments and FinTech. He advises financial services companies, payment providers, merchants, technology companies and investors. Through Payments Consultancy Ltd he provides market assessments, strategy development, regulatory compliance, supplier selection and commercial due diligence advisory services. His payments industry high profile comes from being a respected commentator, research analyst, conference chairman and speaker. Mark also acts as a judge for industry award programmes and is proud to be an Ambassador for the The Payments Association.

Michael Chambers

After over a decade as the Chief Executive Officer of the UK’s biggest retail payment system and bank account switching service, Mike is pursuing a portfolio career including an INED at a financial institution specialising in the custody and settlement of digital assets, a director at a leading Bacs bureau, undertaking payments advisory engagements through his consultancy firm and is a cashless advocate.

Dr. Ruth Wandhöfer ​

Dr. Ruth Wandhöfer has been instrumental in shaping the future of finance during her impressive career over the last 20 years. She operates at the nexus of finance, technology and regulation and is passionate about creating the digital financial ecosystem of the future. She is a very influential female leader in the technology space, promoting the understanding, deployment and business models of our digital future across financial markets and processes.

With a diverse career across regulatory policy development, banking, Fintech/Regtech mentoring, investing and consulting she finds herself at the centre of the evolving digital ecosystem of players with the ability to advise, accelerate, promote and enable technology players to become an integral part of the new financial ecosystem.

Ruth began her career in banking. After a distinguished career of over a decade with Citi, Ruth is now an independent Non-Executive Director on the boards of Permanent TSB, Gresham Technologies and Digital Identity Net as well as a Partner at Gauss Ventures – a VC firm focused on early stage FinTech investment.

She is also the Chair of the PSR Panel in the UK, Member of the Digital Standards Advisory Group of the UK BSI, Member of the Innovation and Growth Advisory Board of the City of London, Chief Innovation Officer at GC Partners, a Strategic Adviser of the European Third Party Provider Association (ETPPA) as well as Adviser of RTGS.global and Co-Founder of Sinonyx, a specialised consulting and advisory firm focused on digitisation of capital markets and payments. Until recently she served as independent Non-Executive Director on the Boards of the London Stock Exchange Group and Pendo Systems Inc. and as senior adviser to KPMG. 

Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch and identified as one of the 100 Most Influential People in Finance 2012 by the Treasury Risk Magazine. She received the ‘Women in Banking and Finance Award for Achievement’ in 2015 and in 2016, 2017, 2018 and 2020 she was named on the global ‘Women in Fintech Powerlist’ of Innovate
Finance (Senior Leader in 2020). She is a 2018, 2019 and 2020 Top 10 Global Fintech Influencer (Fintech Power 50).

She speaks five languages, has completed studies in Financial Economics (MA, UK), International Politics (MA, FR) and an LLM in International Economic Law (UK). She was awarded a doctorate by CASS Business School, London and Tilburg University in 2019 for her PhD thesis in Finance on the topic of “Technology Innovation in Financial Markets”.

She published two books: “EU Payments Integration” (2010) and “Transaction Banking and the Impact of Regulatory Change” (2014), is a Fellow of CASS Business School City University London, a Visiting Professor at the London Institute of Banking and Finance and occasional lecturer at Queen Mary London School of Law.

She balances this extraordinary career while raising her children and champions for a better work life balance for parents and more support for women entrepreneurs.

Teresa Connors

An inspiring payments expert with strong customer focus, commercial and delivery credentials. Global experience with deep understanding of market complexity, drivers and participants.

At Payment Matters, Teresa helps customers to deepen client insight to enhance propositions and build a compelling Thought Leadership programme.

During her career at NatWest / RBS Teresa led international market engagement programmes leveraging knowledge & expertise in payments, cash management, client insight and product.

Teresa is a highly regarded industry spokesperson, she is also a published author contributing to The PAYTECH Book 2020 and as a primary author of the market leading World Payments Report.

A strong advocate of diversity, Teresa is a member of the UK Women in Payments Board.

Ravi Meshram

Ravi is an accomplished business leader with 25+ years in IT Industry. He has helped clients in Public Sector, Energy and Resources Sector, Small and Medium Businesses and Financial Services Sector, with business transformation through enabling technologies. He specialises in Alliance and Partnerships, Open Banking and Financial Inclusion. In 2020, he led the research on Financial Inclusion for The Payments Association. The report, ‘All Aboard – The role of the Fintech industry in solving the problems of financial exclusion’ touches upon the real challenges encountered by the financially underserved sections of the society and provide insights gathered from various industry stakeholders, including consumers. Ravi is passionate about addressing societal and community issues through leveraging technology and harnessing the collective power of the ecosystem partners.

Anne Pieckielon

Recently appointed to the PSR panel representing consumer interests. Anne has a strong track record of achievement as a Director and senior leader with Pay.UK (formerly Bacs) and across the wider Payments Association previously having been  an Advisory Board member. Her role at the center of national payments has given her a unique perspective on the challenges faced by the ecosystem in responding to fast changing consumer needs.  Anne constantly challenges the traditional payments model across a range of services and supports stakeholders to achieve step change in their business. 

At Bacs Anne led strategy and steered product development of the UK’s retail payment products and services including Direct Debit,BacsDirect Credit, Current Account Switch Service and Cash ISA account switching services. Anne’s entrepreneurship and influence shaped the future of these phenomenally successful initiatives which have been adopted by the financial services industry, consumers, and businesses globally. 

Anne is passionate about ensuring that consumer needs are met effectively, and especially that the views of the financially vulnerable are considered.  She is a founding director and driver of The Inclusion Foundation (TIF), a not-for-profit company seeking to help under-served customers get the best from their finances through the use of the most effective payment products and services. She is also a Trustee of the Money Charity, the financial capability charity, which provides education, information, advice, and guidance to people of all ages throughout the UK,. 

Recognised as the 2019 Payments Association Awards’ Contributor of the Year and a senior leader under the Innovate Finance Women in Playtech Power list, Anne champions diversity. She is a judge for the Emerging Payments Association (Payments Association) and European Women’s Payment Network (EWPN) Awards, and an advocate for HM Treasury’s Women in Finance Charter. Anne canvasses contributions from the broadest audience possible to drive positive change in financial services. 

John Schratz

John is the Founder and Managing Director of Eclipse Enterprise Consulting, a specialist payments consultancy practice providing strategic, interim management, consultancy and advisory support to companies engaged in banking, consumer lending, cross-border remittance and card payments. As a leading professional in the card and payments sectors, John brings a unique blend of technical expertise, industry knowledge, product innovation, strong governance and international experience.

A financial services practitioner with over 25 years of experience, he has worked with some of the world’s leading financial institutions, as well as established Fintechs and start-ups, where he has gained an in-depth understanding of the complexities in delivering change initiatives across large-scale business, operational and regulated environments. His domain expertise across the payments value chain includes market entry, processor and partner evaluation, compliance and risk management, credit and debit issuing, Scheme membership and regulatory license applications.

In addition to having served in a number of executive positions during his career, John has also held non-executive positions with Visa and MasterCard in the UK, as well as advisory roles, including Jaja Finance, where he supported the successful bid for the Bank of Ireland and Post office credit card back-book.



Neira Jones

More than 20 years in financial services and technology made Neira believe in change through innovation & partnerships. She is regularly invited to advise organisations on payments, cyber crime, information security and digital innovation where she strives to demystify the hype surrounding current issues. She has previously served on the PCI SSC Board of Advisors, is a Fellow of the British Computer Society and worked for Barclaycard, Santander, Abbey National, Oracle Corp. and Unisys.

Kevin Hayler

Kevin has worked in the Card Acquiring Industry for 24 years gaining experience with Barclaycard and First Data helping businesses integrate and improve their card acceptance to aid business growth. As a specialist in Sales and Leadership Kevin built Annecto UK Ltd to support over 6,000 SME’s in the card processing. More recently, as Founder and CEO of Aubas Consulting, Kevin is helping companies sell more things to more people!

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