The Pinnacle 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


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.


Roger Lovering

Advisory Board

Based in London, Roger has over 30 years of experience in consumer finance and payments. Roger formerly served as the CEO of Santander Cards UK, Head of European Cards at HSBC Bank and CFO at HFC Bank. Roger has also served as Chairman of Harrods Bank and NED at Shawbrook Bank, Oodle Financial Services Limited and Amigo Loans.

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Noel Lustig

 Advisory Board

Based in Buenos Aires & Madrid, Noel has over 30 years experience as an entrepreneur,  strategic advisor and senior executive at leading multinational companies in the Americas and Europe. Noel was formerly EVP/Group Executive and General Manager of Mastercard, with responsibility for LAC.

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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
Southern 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 Partner
Europe & MENA

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.

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Robin Mukherjee

Managing Partner

Based in Dubai, Robin has over 30 years of experience working with payment schemes across multiple markets in Europe, the Middle East and Africa. Robin brings expertise in PSD2 and Strong Consumer Authentication, issuer and merchant-based authentication solutions, card fraud management as well as extensive experience in credit, debit, cobranded, and commercial cards businesses.


Priscilla Owuor

Managing Partner
East Africa

Based in Nairobi, Priscilla has over 19 years of payments experience working with top-tier banks (Equity, Kenya Commercial Bank, Barclays, Diamond Trust Banks) and Visa. She has delivered more than 40 card and digital payment projects in East Africa. 

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.

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.