The Team

Passionate About Payments. Here to Help.

We are practitioners first, consultants second and pride ourselves in providing implementable advice to our clients, informed by years of extensive real-world experience. 

With team members based in Europe, Asia Pacific and Africa, we draw upon our diverse business, operational and market knowledge to offer both consultancy and advisory services to banks, payment schemes, processors, retailers, fintechs and payment organisations.


Ian Coles

Managing Director, Europe and Middle East

Based in London, Ian has over 30 years of experience in the payments business, with specialist product knowledge in credit cards, debit cards, prepaid cards, store cards, point-of-sale finance and unsecured personal loans.

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Vivek Kumar

Managing Partner, Asia Pacific

Based in Hong Kong, Vivek brings over 30 years of specialist experience in payments and the broader financial services domain. He has extensive knowledge across key payments verticals including credit, debit, prepaid and commercial cards, merchant acquiring/digital payments and lending.


Jacqui Malaba

Managing Partner, Africa

Based in Johannesburg, South Africa, Jacqui has more than 15 years of payments experience across Sub-Saharan Africa. She has worked for and alongside many of the continent's most successful banks and fintechs and is a passionate advocate of the region's growth potential.


Adam Hozaifa

Managing Consultant, Strategy & Business Performance

Based in London, Adam is a seasoned card payments strategy and commercial consultant, with over 15 years of industry experience spanning schemes, acquirers and issuers. He has extensive knowledge of payment economics and pricing models/structures.


Murray Bailey

Managing Consultant, Credit Risk

Based in Bournemouth, Murray has over 30 years’ experience in credit risk management. In recent years he has supported many innovative lenders and start-ups, supplementing his consulting engagements with CRO, director and NED roles. His expertise spans the entire risk and product spectrum, from prime mortgages to credit cards to payday loans.


Barry Brennan

Managing Consultant, Fraud

Based in Manchester, Barry is a fraud prevention expert, with more than 25 years of experience building fraud prevention teams, processes and systems across retail banking products.


Andrew Marshall

Managing Consultant, Payment Schemes

Based in Brussels, Andrew has more than 30 years experience of payment scheme systems and operations. He now specialises in helping issuers and acquirers manage their technical launches with the schemes and maintain compliance.

Robin Bearne

Managing Consultant, Change Delivery

Based in London, Robin has more than 35 years experience in defining, leading and delivering significant change and business transformation projects in financial service organisations. He has completed more than 12 card migration projects across Europe and supported numerous new business launches.