I have been directly involved in the payments industry for over 35 years, holding senior leadership positions with a number of leading global payments banks such Barclays, BNY, Citi and MUFG, and with leading fintechs and payment providers such as Convera, Freemarket and RTGS.global. I am currently the Head of the Payments Practice for a major consulting firm, Projective Group, and throughout my career have been responsible for helping to formulate and implement strategic change in response to key payments industry developments – both on behalf of my own organisation and on behalf of its clients. My specific payments leadership roles have included positions such as Chief Commercial Officer, Global Head of Payments Product & Strategy, Regional Payments & Cash Mangement Business Head and Global Risk & Compliance Head, with those roles having been based in London, Amsterdam, Frankfurt and New York. Alongside my core position responsibilities, I have for many years been viewed as a leading contributor to payments industry thought leadership through my frequent participation as a speaker, panellist and/or facilitator at key industry events such as PAY360, EBADay, SIBOS, AFP and Felaban. I am a previous Board member of a number of payments organisations including the PSR. I am a strong proponent of the important industry work done by the Payments Association, perhaps especially in the area of member support and education, and believe I have the knowledge, experience and network necessary to be able to immediately add value to the Association’s valuable payments industry activities.

The Payments Association is uniquely positioned to unite policymakers, regulators, banks, and innovators around a shared vision of the UK as the world’s leading payments hub. My work sits precisely at that intersection. As founder and CEO of Arf, a Swiss-regulated liquidity and settlement platform, I have built one of the most tangible deployments of stablecoin-enabled, real-time liquidity for cross-border payments. Our solutions reduce pre-funding, deliver same-day settlement across corridors, and strengthen transparency and controls for licensed financial institutions.

I want to join the Advisory Board to bring an operator’s lens to three priorities: (1) shaping a proportionate, risk-based regime for fiat-backed stablecoins and tokenised finance;(2) improving cross-border interoperability and liquidity access for non-bank financial institutions; and (3) strengthening resilience, fraud controls, and data-sharing without stifling innovation.

I have actively engaged with UK industry bodies and working groups on digital currencies and regulation. I can help translate policy into workable industry standards, particularly around reserve segregation, prudential expectations, safeguarding, disclosures, and consumer protection. My global experience deploying solutions across the US, UK, EU, UAE, Singapore, Hong Kong and Turkiye provides perspective on how the UK can stay internationally aligned while maintaining competitiveness.

Ultimately, I want to support the Association in accelerating safe adoption of programmable, instant settlement, broadening access to liquidity for responsible firms, and consolidating the UK’s leadership in next-generation financial infrastructure.

I am keen to play my part in contributing to the Advisory Board’s important work in setting the agenda for the future of payments and responding to industry challenges.

Over the past decade of fscom’s membership, I have served the Association as leader of the Regulatory Working Group, contributing to multiple conferences, webinars, publications and consultation responses bringing to the fore my in-depth knowledge of the regulatory environment as it intersects with operational realities for payment service providers.

It is this challenging reality that I would like to represent at the Advisory Board level; helping the sector to maintain its reputation as innovative, consumer-focused businesses in an increasingly complex, regulatory-burdened and commercially challenging environment.

Payments are a critical part of everyday life for consumers and businesses yet they are still not as easy and flexible as they should be. The market has a great opportunity to drive real change and yet still many legacy approaches hinder that change.
Perhaps it is the fear of the unknown or perceived increase in risk but the industry tends to move slowly in providing new payments option particularly when compared to other reghions.
I would ike to join. The Board to provide my input and then to influence how the UK can lead the way in payments innovation.

Joining The Payments Association Advisory Board represents an opportunity to actively participate in shaping the future of the payments industry during a time of rapid transformation. I am motivated by the chance to engage with emerging trends, regulatory developments, and cross-border opportunities that will define the next decade of payments.

I am particularly passionate about advancing sustainability and responsible innovation within the payments ecosystem. Being part of the Advisory Board would allow me to collaborate with industry leaders, contribute to critical discussions, and help ensure that innovation remains inclusive and aligned with broader societal needs.

Through this role, I hope to both contribute to and learn from the diverse expertise within the board, fostering a payments landscape that is resilient, innovative, and sustainable.
Ultimately, I am driven by the opportunity to help guide the strategic direction of our industry. Through collaboration, critical dialogue, and shared vision, I believe the Advisory Board plays a pivotal role in fostering a payments ecosystem that is resilient, innovative, and aligned with broader societal goals.

I want to join The Payments Association Advisory Board because this is a defining moment for payments and for the UK’s leadership within it. The Association has become the central voice for the payments ecosystem, bringing together banks, fintechs, regulators, and investors, and its Advisory Board is uniquely positioned to shape how our industry grows with both responsibility and ambition. At a time when the world looks to the UK for regulatory direction, there is an opportunity to project our standards globally while ensuring innovation continues to support real economic activity and financial inclusion.

My professional journey has focused on building cross border payments, debt, and trade finance solutions that drive inclusion and growth. At Crown Agents Bank I scaled a business line from inception to more than fifty five institutional clients, generating over twenty million pounds in revenues. Beyond the numbers, my work has been about enabling access: structuring working capital programs for SMEs in frontier markets, designing financing solutions that unlock trade flows, and helping financial institutions de-risk cross border transactions. These experiences have shown me how inclusive trade finance and payments infrastructure can expand opportunity for communities and businesses that are otherwise excluded from global markets.

I have also worked closely with fintech leaders throughout their growth journeys and across their capital structures. This has ranged from early-stage founders needing liquidity and FX solutions, to scaling companies preparing for institutional debt raises, to established firms navigating complex credit, regulatory, and compliance environments. By advising on pre-IPO funding, receivable financing, and working capital programs, I have seen how access to appropriately structured debt and risk-sharing mechanisms can be transformative for growth and stability. These insights into the full fintech value chain would enable me to contribute meaningfully to the Advisory Board’s work on building a sustainable and competitive payments industry.

Financial inclusion has been at the heart of this work. Payments and trade finance are not abstract flows;they are the mechanisms that allow a farmer to sell to a new market, an SME to access inventory, or a fintech to bring new services to underserved customers. By ensuring that innovation in payments and credit structures is both scalable and secure, we can directly broaden access to opportunity and growth.

The UK has long been the global benchmark for payments regulation and governance. At a time when markets worldwide are grappling with fraud, financial crime, real time interoperability, and capital access, the UK’s leadership is more important than ever. I want to use my experience across debt, trade finance, and cross border infrastructure to ensure that the Payments Association continues to project UK standards globally while advancing inclusion and innovation.

As a BAFT Future Leader, I coauthored the 2025 white paper on accelerating real time cross border payments and have contributed at leading forums such as SIBOS, Money2020, and the Singapore Fintech Festival. These roles have reinforced my ability to convene policymakers, regulators, and private sector leaders around common objectives.

If elected to the Advisory Board, my focus would be threefold. First, to champion financial inclusion through debt and trade finance solutions that support SMEs and frontier markets. Second, to strengthen the UK’s position as the global regulatory and governance standard setter for payments. And third, to mentor fintech leaders across their funding and capital journeys, ensuring they can grow sustainably while meeting the highest standards of compliance and risk management.

The Advisory Board is more than a policy forum;it is a platform to shape the future of payments and trade finance globally. I want to bring my experience in debt, capital structures, and financial inclusion to ensure the UK continues to lead the world in building a payments ecosystem that is innovative, inclusive, and resilient.

I am keen to make a constructive and collaborative contribution to the payments community by becoming a member of The Payments Association Advisory Board. I would leverage my industry-wide perspective along with my deep regulatory and commercial knowledge of the payments sector to support my fellow Advisory Board members in striving to bring about tangible, sustainable and positive change for the payments industry. If elected to the Advisory Board, I give my commitment to providing robust, independent guidance and steer to The Payments Association leadership, management team and members.

As the Payments Practice Lead at Ocorian Consulting, a specialist financial services regulatory consultancy, I thrive on delivering strategic solutions to the complex challenges faced by payments firms of all shapes and sizes. Having worked closely with a significant cross-section of the payments industry, helping payments firms navigate the various stages of their development, I bring a unique perspective that I believe would complement the depth and breadth of skillsets exhibited across the Payments Association Advisory Board. I recognise many of the challenges faced by the payments industry, and I would like to work with the broader Advisory Board members to take a considered and informed approach to identifying and facing these challenges on behalf of The Payments Association and its members, to help provide certainty and peace of mind.

I believe the payments industry is currently at an exciting and pivotal stage in its rapidly paced evolution and that now, more than ever, The Payments Association Advisory Board has a key role to play in facilitating the industry’s continued success. This is a success story that involves, growth, innovation and prosperity, all whilst enabling and helping shape an ecosystem that fosters strong governance and control. I have a proven track record of achieving similarly successful outcomes, both for the firms I serve and the teams that I lead. I therefore feel that I would be well placed as a productive and actively involved member of the Advisory Board to drive forward similar successes to the benefit of the diverse membership the Advisory Board represents.

I pride myself on earning my place as a trusted advisor to business partners and colleagues alike. I would therefore be honoured to take on the responsibilities of serving the members, senior leadership and management of The Payments Association by becoming a member of the highly respected Payments Association Advisory Board.

As a member of the Advisory Board I expect to support The Payments Association mission at many levels. My leadership experience within Worldline Financial Service at an executive level allows me to contribute with a global perspective on the payments industry. From innovation, to the operational challenges facing the industry, and also the regulatory frameworks from various countries, I expect to bring my views to enrich the discussion and information sharing. For us at Worldline, it is essential for the industry leaders to collaborate in and help our businesses develop in an open, trusted and balanced manner, involving all stakeholders.

In becoming a member of The Payments Association Advisory I am expecting to contribute and also benefit from information sharing and creating joint initiative in multiple fronts, such as:
• Share Industry Insights: from the latest trends, research, and developments in the payments industry, helping our industry develop and staying ahead of the curve.
• Networking Opportunities: Connect with industry leaders, professionals, and peers, expanding our common network and fostering valuable relationships.
• Advocacy and Representation: Benefit from the Association’s efforts in advocating for the interests and needs of the payments community at regulatory and governmental levels.
• Collaboration Opportunities: Engage in collaborative projects and initiatives with other members, leading to innovation and shared success.
• Influence: Have a voice in shaping the future of the payments ecosystem through participation in discussions, committees, and task forces.

Finally, by joining The Payments Association Advisory, I can position myself and my organization to capitalize on the evolving payments landscape while contributing to its development.

The Payments Association is a hugely respected and influential organisation that champions the needs of its members and advances payments across the UK. It has significant influence with policy makers, authorities and institutions across the UK and has built a fantastic reputation – and this is down to the fantastic people who lead through the Advisory Board.

As a senior leader with almost 20 year’s experience in payments – I’ve had the privilege of working at the intersection of innovation, regulation, and customer experience within the payments ecosystem. The industry is undergoing rapid transformation, and I believe now more than ever, it’s essential for leaders to collaborate, share insights, and help shape the future of payments in a way that is inclusive, secure, and built around customer needs.

Joining The Payments Association Advisory Board would allow me to contribute meaningfully to this. I bring a strategic product lens, deep operational and technical experience, and a strong understanding of the challenges and opportunities facing both big financial institutions and smaller, emerging firms. My career has consistently focused on building new payment propositions, systems and leading organisations through scalable, resilient, and forward-thinking payments change. I’m hugely passionate about payments, the people across the industry and ultimately ensuring that the payments ecosystem is resilient, innovative and built with the right protections for consumers across the UK.

I also see this as an opportunity to amplify the voice of mutuals and represent perspectives that are sometimes underrepresented in industry forums. With Mark Nalder stepping down after a distinguished term, I’d be honoured to continue the legacy of thoughtful, impactful engagement with the Association.

Beyond the strategic alignment, I value the collaborative spirit of the Advisory Board. The chance to engage with peers, contribute to working groups, and support outreach to government and regulators aligns closely with my professional goals and personal values. I’m keen to help drive meaningful change — not just within our organisation, but across the wider payments landscape.

To bring in the online marketplace perspective into policy discussions impacting the payments ecosystem in the region;and provide insights based on my experience.

I have two decades of experience to contribute to work on the future of the payments industry, in particular related to my roles at ClearBank, during which I have overseen the delivery of traditional and new forms of payment and banking services to a range of payment service providers – banks, investment firms, payment firms, digital asset exchanges and even government payers – and now payment systems and solutions for corporates.

Joining the Payments Association Advisory Board would provide me a unique opportunity to utilise this experience to help drive positive change. For me, it is about more than just representing ClearBank;it is about working alongside others who share a desire to create a thriving and sustainable payments ecosystem.

ClearBank is a critical service provider to the UK payments industry, in particular to the most innovative and fast-growing fintech sector. With this understanding, joining the Advisory Board would enable me to shape the agenda to meet the evolving functional and strategic needs of fintechs. I aim to influence where we direct our innovation efforts and how we can develop the broader ecosystem. Access to an array of industry views is critical to inform the Payment Association’s advocacy, ensuring that regulators and policymakers create a proportionate and forward-looking regulatory environment to support innovation and sustainable growth.

Several ClearBank clients, such as Cardaq, Allica Bank, BCB Group, Pexa and Tide, are members of the Payments Association, and I know how important it is for their and our other clients’ interests to be represented in strategic forums. Serving on the Advisory Board would allow me to advance the issues that matter most to them and work to remove barriers to their growth and ability to scale.

Participation would also give me the opportunity to work closely with CEOs and senior leaders from banks, fintechs, and payment schemes to further understand industry views. I would work to collaborate with other leaders who are equally passionate about making a positive impact. Together, we can set ambitious goals, tackle industry challenges, and develop solutions that benefit everyone – from consumers and businesses to regulators.

I’d love to utilise my experience of, 30+ years in payments based in 6 markets, from Issuing, Acquiring and Gateways, to Fintechs, Start Ups and Global Banks. My recent move to Vinted, as Managing Director for a new Financial Services sector within one of the fastest growing Fintechs in Europe gives me even more perspective. on what good looks like and as important, the lessons I have learnt on the way, with my own and the companies I have worked with, many failings! My experience is broad, my style open, my leadership supportive and my thirst for continued diversity and opportunity for all is at the forefront of everything I do. This is whyI believe I would make a great member of The Payments Association Advisory Board.

Participating on the Advisory Board would enable me to share experiences and pattern recognition from having successfully started, built, and sold multiple global payments companies, with a UK focus, that were celebrated as pioneering breakthroughs. My first company, WildCard Systems, created the first-ever prepaid Visa and Mastercard programs as an issuer processor. Later, another company I founded developed technology that Mastercard acquired and turned into Mastercard Send. Today, I’m the founder of Payall – a one-of-a-kind company: providing purpose-built infrastructure that empowers banks, EMIs, and other regulated entities worldwide to deliver cross-border payments that are safe, immediate, low-cost, transparent, and inclusive.

My experiences are heavily UK-focused as well as notably global. In an ever more connected world, where payments are borderless, and challenges in one market are often coordinating and overcoming issues abroad, my experience is invaluable.

In fact, I’ve worked directly with banks, regulators, and central banks in Europe, the Americas, Asia, and Africa, supporting innovation while strengthening oversight. This experience gives me perspective on how to connect local priorities with global standards and practical solutions.

My motivation and objectives are pure and clear – to collaborate with peers in shaping the next generation of payments that are safe, low-cost to the providers, inclusive, and fast so that banks, EMIs, and other regulated providers that work with merchants, businesses, and individuals can offer best-in-class products.

The UK has already pioneered open banking, setting a global benchmark for innovation. Now is the time to pioneer the next pillar: modernizing cross-border infrastructure. With decades of experience building systems adopted across jurisdictions, I can help ensure that UK leadership in payments extends globally.

I am passionate about the innovation in payments in UK and globally, and I see the Advisory Board as a unique forum to shape the industry’s future. Having held senior executive roles across the payment value chain — a senior director at Visa, a CEO of a UK card-issuing platform, and now a Chief Commercial Officer at The Bank of London — I have a broad perspective on the challenges and opportunities across the card schemes, banks, and fintech innovators.

Today I work at a challenger bank that underpins the operations of many payment providers and fintechs, and is also building tech to service the blockchain and stablecoin industry. This allows me to see first-hand the opportunities and challenges our sector faces — from scalability and reaching profitability, to evolving regulation, and evolving strategies of the global payments giants.

As CEO of Yaspa, I am passionate about driving responsible, innovative, and consumer-friendly change in the payments industry. Joining The Payments Association Advisory Board would provide a meaningful platform to help shape the future of account-to-account (A2A) payments and contribute to the development of a clearer, more unified payments ecosystem that empowers both consumers and businesses.

The payments industry is undergoing a transformation, but with that comes complexity. Today, there is an urgent need to bring clarity to the terminology surrounding A2A payments. Terms like “Pay by Bank,” “Open Banking Payments,” and “Instant Payments” are often used interchangeably, confusing consumers and stalling adoption. A lot of people are using these new tools without understanding the actual banking mechanisms behind them. At Yaspa, we believe it is essential to differentiate clearly between card-based and bank-based payments. As I’ve stated in previous discussions and interviews, “Pay by Bank” means using your own banking app or services to make a payment. This needs to be intuitive and widely understood if A2A payments are to fulfil their potential.

But it is not just about clarity. It is also about impact. Yaspa’s mission is to make payments more responsible and intelligent. A2A payments offer a unique opportunity to embed real-time identity verification and financial health assessments directly into the payment flow. In regulated markets like iGaming, this can play a powerful role in promoting safer financial behaviour for both consumers and operators. By leveraging open banking and machine learning, we can provide tools that support responsible gambling at scale.

I believe there is significant potential to apply these principles globally, especially in emerging regulated markets such as the United States, where we can draw on the UK and EU’s more mature regulatory frameworks. I am committed to ensuring that innovation does not outpace consumer protection or understanding, and I believe The Payments Association Advisory Board is the ideal forum to help steer this conversation.

With experience across fintech, banking technology, and regulatory engagement, I am eager to collaborate with peers to ensure the UK continues to lead on safe, innovative, and accessible payment infrastructure.

I’d like to start by saying that I’m a huge fan of the Payment Association and believe it plays such an important role in connecting the payments community. It would be an honour to be part of the TPA Advisory Board.

It’s an exciting time to be part of the transformational changes taking place across the payments industry in the UK and globally and I believe being part of TPA Advisory Board will help to shape the future of payments so that they can become more accessible and affordable to as many people as possible.

ACI Worldwide specialises in payments including Card, Account-to-Account (Instant, Domestic RTGS and Cross Border) and Merchant services. Processing over 50% of Faster Payments in the UK, ACI Worldwide has a significant role in the UK and global payments ecosystem; a critical aspect of my TPA Advisory Board application is to bring in these learnings and experiences.

I am committed to contributing meaningfully to improving the payments landscape and welcome the opportunity to collaborate with fellow leaders to help shape a resilient, inclusive, and forward-looking UK payments ecosystem.

I want to work on behalf of the merchant community to deliver improved business outcomes in the payments and fraud eco-system bringing an alternative perspective to the Advisory Board and being the voice of the merchant.

I am confident that bringing the merchant voice to the Advisory Board will breakdown some of the myths and heuristics that can exist in other parts of the payments community to foster stronger working relationships. We all want the same things such as frictionless payment solutions, safe methods of payment that protects the consumer, we want to see innovation and have the wherewithal to pivot quickly to new market trends and payment solutions.

The merchant buy-in and adoption of these solutions is critical, otherwise they run the risk of withering on the vine or experiencing a cripplingly slow road to market. Therefore, merchant representation can be instrumental in providing the necessary insights and communication strategies that can tap into the motivations and trigger points that will enhance and accelerate awareness.

One of these pivotal moments is now upon us with the anticipated step change in payments and fraud on the horizon with the advent in advanced AI solutions and the commencement of Agentic commerce these in tandem represent key opportunities and risks and I see the Payments Association steered by the Advisory board as being so well positioned to provide the leadership that is required to steer the payments community through this significant period of change.

But there are also existing parts of the payments eco-system that are not working as well as they should, merchants and card issuers are seeing exponential uplifts in 1st party fraud and the chargeback dispute resolution process needs overhauling to protects merchants from increased losses and card issuers from regulatory and reputational risks as organised criminal gangs, people smugglers and money launderers participate and accelerate their harmful activities in this area.

I would welcome the opportunity to be that merchant voice in a spirit of constructive challenge and collaboration to enhance the leadership provided by the Payments association.

I am eager to join the Payment Association Advisory Board for the United Kingdom because I am passionate about contributing to the advancement and integrity of the UK payments industry. With the sector evolving rapidly, particularly in areas such as fintech innovation, regulatory compliance, and customer-centric solutions.

Working at Clearbank provides me with a unique industry wide perspective through the 290+ institutions we support and the significant market share of the indirect payments volumes we process on their behalf. I believe my insights and experiences can add meaningful value to the board’s strategic direction.

Having worked extensively within payments and financial services, I have developed a deep understanding of the challenges and opportunities facing the industry. One major challenge I have observed is the ongoing challenge for fintech profitability in the absence of access to additional capital and the inevitable need for consolidation within the sector. While innovation is thriving, many fintechs struggle to achieve and sustain profitability, often hampered by regulatory burdens and market volatility. Moreover, recent trends in market consolidation threaten to reduce competition, potentially stifling creativity and customer choice.

I am particularly concerned about the unfair competitive pressures exerted by larger banks, often at the expense of smaller banks and Electronic Money Institutions (EMIs). The current regulatory and commercial landscape can disproportionately favour established institutions, making it difficult for smaller players to compete on a level playing field. This not only affects growth and innovation but may also limit the diversity that is essential for a healthy payments ecosystem.

Being part of the advisory board would allow me to collaborate with like-minded professionals, share best practices, and help shape policy and innovation in ways that benefit the wider UK economy. I am committed to fostering an environment that encourages diversity of thought and proactive engagement with regulatory authorities. I see the advisory board as a crucial forum for ensuring that the voices of all stakeholders ”banks, fintechs, merchants, and end-users” are represented and heard, particularly in addressing the challenges faced by smaller institutions and ensuring a fair competitive environment for all. The indirect participation model is at the heart of this.

In summary, joining the Payment Association Advisory Board aligns with my professional goals and my desire to make a positive, lasting impact on the payments landscape in the UK. It would be a privilege to contribute my knowledge and enthusiasm to such an influential group, working together to support innovation, security, fairness, and trust in the payments ecosystem.

I want to join the Advisory Board because payments are at the centre of how economies function, and the next few years will define how inclusive, innovative, and resilient the industry can be. The Payments Association has a unique role in shaping that future by bringing together regulators, fintechs, banks, and technology providers. I would value the opportunity to contribute to this collective effort.

For me, payments are not just about transactions they are about enabling businesses to grow, helping individuals access opportunity, and ensuring commerce runs smoothly across borders. Throughout my career I’ve seen both the challenges and opportunities that come with expanding payment networks, deploying new technology, and adapting to changing regulation. Being part of the Advisory Board would give me a platform to apply those lessons more broadly, beyond my own organisation, for the benefit of the wider ecosystem.

I am particularly drawn to the Association’s mission of making payments work for all. Whether it’s ensuring SMEs can access digital-first solutions, helping the industry adopt AI responsibly, or strengthening resilience against fraud and cyber threats, I believe these priorities require collaboration and a strong, unified voice.

Joining the Advisory Board would also give me the chance to work with peers I greatly respect. I see the role not just as contributing expertise, but also as listening, learning, and building partnerships that push the industry forward.

In short, I want to join because I care deeply about the future of payments, I believe in the Association’s mission, and I want to play an active role in shaping an industry that drives innovation while ensuring it truly works for everyone.

I am looking to The Payments Association Advisory Board to contribute my expertise at the intersection of payments, AI, and regulation, and to help guide the industry through a period of profound transformation.

As CEO and Founder of DataWhisper, and as a technology leader in financial services for over 20 years— Atos, Worldline, and more recently as SVP of Technology at Elavon/US Bank Corp, I have dedicated my career to building innovation that balances scale with trust.

At DataWhisper, our mission advanced Agentic AI solutions with built-in compliance for the payments industry. Founded by payments and AI veterans, our mission is to solve today’s challenges and future-proof the sector.

I believe AI and agentic AI will profoundly transform payments, from back-end processes and compliance automation, to customer engagement and personalized financial services, and ultimately to the emergence of agent-driven commerce and payments, where intelligent agents initiate, authorize, and execute transactions on behalf of consumers and businesses. These changes bring unprecedented opportunities, but also new responsibilities for governance, standards, and trust.

I bring over two decades of leadership in technology, AI, and regulatory governance, with direct experience delivering live AI solutions in payments, including the first AI-enabled payment terminal. At DataWhisper, we partner with gateways, acquirers, and financial institutions, giving me unique insights into how innovation can be implemented responsibly while meeting both operational realities and regulatory expectations.

I can add value to the Advisory Board in three key areas:

-AI in Payments – Practical expertise on how agentic AI is transforming transaction flows, fraud prevention, and orchestration.

-Compliance and Regulation impact AI and Emerging technologies – Deep experience embedding compliance-by-design into innovation, ensuring safe adoption at scale.

-Collaboration – Building bridges between startups and Innovation teams, incumbents, and regulators to accelerate responsible innovation.

For me, joining the Advisory Board is not only about sharing expertise but also about learning from and amplifying diverse industry voices. Together, we can position the UK and global payments sector as a leader in responsible, innovative, and inclusive AI-driven payments.

I would be honoured to serve as a member of The Payments Association’s Advisory Board. Having been actively engaged as an Ambassador and long-time supporter of the Association, I am deeply aligned with its mission to make payments work for all and to create a profitable, sustainable ecosystem.

Over my 35+ year career, I have consistently worked at the intersection of innovation, financial services, and resilience. I have held CEO and divisional leadership roles with full P&L responsibility across global fintech, payments, and data organisations. I have launched pioneering fraud prevention technologies, built international partnerships, and led cross-border payment and merchant commerce initiatives that have delivered sustainable value to businesses and consumers. These experiences have equipped me to contribute to the Advisory Board not just as a representative of my organisation, but as a leader who can help shape industry-wide direction.

Peers and colleagues know me as someone who collaborates widely, connects communities, and builds bridges between technology, regulation, and commercial delivery. As an Ambassador of The Payments Association, I have seen first-hand how effective collaboration can be in driving forward meaningful debate and industry outcomes. I believe strongly that no single company, however large, can solve the challenges facing payments today. Success comes through shared vision, open innovation, and collective action, precisely what the Advisory Board exists to foster.

Looking ahead, the payments industry faces profound change: from the opportunities of AI and digital identity, to the imperatives of resilience, inclusion, and sustainability. These are not simply technical or regulatory issues, they are questions of trust, governance, and long-term value creation. I have dedicated much of my recent work to advancing data standards, building intelligent infrastructure, and promoting resilience by design, so that payments and mobility ecosystems can evolve with confidence. I would bring this perspective to the Advisory Board to ensure that our collective work remains both strategically ambitious and practically grounded.

Importantly, I share the Association’s ambition for influence. The payments sector in the UK is a world leader, but to remain so it must continue to be at the forefront of innovation, while ensuring it works for every stakeholder, banks, fintechs, regulators, merchants, and, most importantly, end-users. The Advisory Board has a critical role to play in aligning these interests and amplifying the industry’s voice nationally and globally.

In summary, I wish to join the Advisory Board to:

Contribute strategic insight from decades of leadership across fintech, payments, and fraud prevention.

Champion resilience, innovation, and inclusion as core principles of a sustainable payments ecosystem.

Act as a connector, fostering collaboration across the diverse membership of the Association.

Help ensure the UK payments industry remains globally influential and trusted.

It would be a privilege to serve alongside fellow leaders on the Advisory Board, to help deliver on the Association’s vision and ensure that the payments ecosystem thrives for the next decade and beyond.

• A strong, vibrant and innovative payments industry is a crucial driver of economic growth and well-being across the UK, and is a key foundation for our continued global success in finance and technology.
• The PA has a unique role in the UK payments industry, driving a more collaborative, inclusive, dynamic and successful payments ecosystem. The PA provides a critical forum to bring the industry together to shape the future of payments, and also a clear industry voice to customers, stakeholders, regulators and policymakers.
• The Advisory Board is a diverse, experienced and talented group of industry leaders, and would benefit from an additional voice with a merchant-focused perspective.

As a visionary leader with over 25 years of international experience in scaling businesses, I am deeply passionate about advancing the payments ecosystem to serve diverse stakeholders and drive sustainable growth. My journey as Managing Director and SVP at Techwave has allowed me to lead digital transformation strategies for global enterprises, optimizing operations and co-creating business value. In my current role on the Cross Border Working Committee with The Payments Association, I have experienced first-hand the power of collaborative policy and innovation in shaping industry standards and delivering benefit to the wider community.

With my strategic and technical expertise, I want to contribute to the Advisory Board in shaping the Payments Association’s role as a transformative, inclusive industry voice. I am enthusiastic about enabling payment solutions that are accessible, secure, compliant, and responsive to evolving global commerce trends. Membership on the Advisory Board would also allow me to strengthen connections with fellow leaders and foster new ideas that deliver practical, scalable results for members.

My deep engagement with regulatory bodies, technology partners, and clients across Europe, the UK, and beyond, equips me to contribute to the Board’s mandate of building a forward-looking, profitable, and resilient ecosystem that reflects the needs of its members and positively influences policy and industry dialogue. I am committed to active, collaborative engagement in all Board activities and to championing initiatives that make payments work for all.

Travers Smith joined The Payments Association around two and a half years ago, and in that time has repeatedly delivered for the industry across a range of fields, whether that be in policy wins (e.g. APP scam maximum levels, safeguarding end-state rules), bringing the ecosystem together (Pay360, the Working Groups), or thought leadership (Payments Intelligence, The Payments Manifesto). I am passionate about payments and hugely grateful to The Payments Association for everything it does. I can’t think of a better way to combine my passion and my gratitude than by helping The Payments Association and its membership (and, by extension, all payments firms, customers, partners, and the UK economy) than by helping steer it through joining the Advisory Board. I have been the Digital Currencies Working Group Lead for The Payments Association since the beginning of the year, and I would like to replicate the impact we have been able to make through that forum across every aspect The Payments Association’s work.

The Advisory Board brings together a unique set of perspectives from every corner of the ecosystem, and I would be thrilled to be able to add my perspective as well as (I’m certain) learn an incredible amount from my fellow Advisory Board members.

We all know that this is a time of incredible change in payments, and I’m excited by the opportunity to help shape that. The National Payments Vision has started to give us the platform we have long needed, to work with regulators and policymakers to get everyone pulling in the same direction, with the same urgency, and for the same goals, and knowing where the accountability lies. I want to help make sure that this is achieved and in a way that serves all stakeholders.

Diversity of background and thought is also incredibly important to me, and I want to make sure that this continues to be represented on the Advisory Board and in this case, that means putting myself forward.

I strongly advocate for the unique value and benefit the Payment Association brings to its membership. No other organisation achieves such an extensive platform of co-operation between the differing elements of the payments ecosystem (i.e. Merchants, Processors, Issuers, Acquirers, Law Enforcement, Payment Schemes, Service Providers, Consultants, etc.). This non-competitive environment, information exchange and sharing (e.g. via Community Meetings, Working Groups, Forums, etc.) is a core element of the tangible value the Payment Association brings to its membership, 365 days of the year.

I have extensive experience participating in board-level positions as an articulate, engaged, and value-driven participant. Leveraging my extensive expertise from across the payment ecosystem, I bring a balanced understanding of the sensitivities and reliance all elements of the payment ecosystem have upon each other. Previously, I was elected by my industry merchant peers and elected as co-chair of the Merchant Risk Council’s (MRC) European Board (ended 2002).

I’ve been a member of The Payments Association since I joined FinCrime Dynamics. I’m active in the working groups, submit articles, attend and participate in the events and would like to do more with and for this group!

This is the first year that Bridge Advice has become a member of TPA and I have been very attentive at the way the Association operates. I admired most things. However, I believe that a fresh pair of eyes can sometimes bring positive suggestions to the table. I will be looking forward to contribute if selected by my fellow members.

At Attenda we have been providing payment solutions to the fuel forecourt sector for over 20 years. We have intimate knowledge of the sector and strong relationships across the payments architecture. ie POS providers, customers, acquirers, etc etc. Over the last 3 years we have seen the payments landscape change with the increase in unattended/contactless interactions and increase in mobilty payment innovation. I see the payments landscape as a complex relay race of partners to fulfil the end to end payment flow and as such it is really important we collaborate and share where we see common challenges to improve customer and consumer experience. For this reason I would like to join the advisory board.

I would like to join The Payments Association Advisory Board to contribute my expertise, experience, and passion for shaping the future of payments in an environment of rapid technological and regulatory change.

The payments industry is undergoing profound transformation, driven by advances in digital assets, embedded finance, blockchain settlement, AI, and open banking. While these innovations unlock efficiency and inclusion, they also create new challenges in regulation, consumer trust, interoperability, and systemic resilience. My professional background spans strategy, architecture, and implementation of next-generation financial technologies, with a particular focus on payments infrastructure and the integration of compliance frameworks such as AML, sanctions screening, and data protection. This experience positions me to contribute meaningfully to the Advisory Board’s mission of guiding industry direction and policy.

I believe the Association plays a critical role in convening diverse stakeholders, banks, fintechs, regulators, and corporates, to ensure that innovation does not compromise trust, transparency, or security. I want to help strengthen this role by providing practical insights into how emerging technologies can be responsibly scaled, how regulatory oversight can be embedded without stifling innovation, and how the UK and Europe can remain global leaders in payments excellence.

Specifically, I would bring value in three areas:

Innovation and Architecture – Offering a deep understanding of payments infrastructure design, including lessons from real-time payment systems and blockchain settlement networks, to ensure interoperability and resilience.

Regulation and Trust – Advising on approaches to embed compliance and governance into digital payments systems, bridging the gap between technology innovation and regulatory expectations across multiple jurisdictions.

Collaboration and Inclusion – Advocating for collaboration between incumbents and challengers, and promoting initiatives that drive financial inclusion, sustainable growth, and consumer benefit.

Joining the Advisory Board would also be an opportunity to listen, learn, and exchange perspectives with other leaders in the ecosystem. I see this role as not only contributing expertise but also amplifying the collective voice of the industry to policymakers, helping ensure that regulation is proportionate, innovation-friendly, and internationally aligned.

Ultimately, I want to play a role in shaping a payments landscape that is secure, efficient, inclusive, and future-ready. The Advisory Board offers a unique platform to influence this trajectory and I am motivated to contribute actively, thoughtfully, and collaboratively to its work.

The Payments Association Advisory Board is at a pivotal moment following Nineteen Group’s investment and changes to Board membership. I’d like to bring my experience across banking, fintech, bigtech and as a founder to the Board; I have a holistic understanding of the payments ecosystem and the needs of its diverse participants. This perspective brings an independent voice that understands and can balance multiple viewpoints.

• My focus is on:
  Championing the Association’s convening power: Working Groups, conferences, networking and events that foster collaboration, knowledge sharing and industry cohesion.
• Shaping and harnessing the power of key industry opportunities, including:
  • National Payments Vision for a connected, innovative UK payments system.
  • Global regulatory and innovation shifts such as the US GENIUS Act.
  • Fraud prevention, digital currencies, tokenised assets, CBDCs and AI (including Agentic AI).
• Enhancing the position of the UK as a global standard bearer for payments;widening the Association’s international reach to influence standards, regulation and innovation.
• Supporting the Association’s ambition for international expansion, helping firms beyond the UK to build payment focussed communities facilitating growth and innovative propositions for all end users.
• Advocating balance on the Advisory Board so all member voices are heard.
• Focussing on the member value proposition, ensuring the Association delivers meaningful benefits for all members, from global institutions to nimble fintechs.

By leveraging the Association’s convening power and international reach the Advisory Board can help amplify the UK’s influence on global standards, regulation and innovation, while delivering tangible value to members, from large institutions to agile fintechs.

The payments industry is ever evolving, and it is imperative all elements of the ecosystem work together – as the unifying voice of the payments industry I would be proud to be a member of the advisory board.

I am passionate about the industry, and I am honoured to be part of it, involvement in the Association will further help me to shape it.

Ecommpay is a key player in the payments landscape with a clear focus on financial inclusion. As such I believe we have a strong perspective to bring to the Payments Association Advisory Board.

The payments industry is evolving rapidly, and with increased scrutiny on payment services and electronic money providers, maintaining a robust and dedicated regulatory framework is critical to ensuring stability, innovation, and consumer protection in support of the National Payments Vision. I therefore believe I could bring a valued perspective to the Advisory Board. In particular, I believe a strong, dedicated focus on payment regulation remains essential to safeguarding industry growth, consumer trust, and the UK’s position as a global leader in payments innovation. I can also assist in influencing and enhancing regulatory policy decisions and ensuring stronger collaboration within industry to ensure the aims of the PA Manifesto and the National Payments Vision are a continued focus across industry, regulators and Government.