All judges of the Emerging Payment Awards are bound by a Code of Conduct covering confidentiality, conflicts of interest and contact with entrants. The judges’ decision is final and there will be no opportunity for appeal, discussion or correspondence.

We have brought together a broad spectrum of independent experts, who either specialise in a particular field, or who have experience and insight into different aspects of the industry. A selection of the judges will review and score all the qualifying entries and compile a short-list and an overall winner from each category.

All judges of the Emerging Payment Awards are bound by a Code of Conduct covering confidentiality, conflicts of interest and contact with entrants. The judges’ decision is final and there will be no opportunity for appeal, discussion or correspondence.

The judges will rely exclusively on the information provided by the Award entrant. Our judges will be looking to see how the programme/product has been a success against the objectives, taking into account how it stands out from the rest of the market. Entries will also be judged on creativity and how clear and concise the entry is. Judges will also have the right to make nominations, except those in any way connected with their own organisation, that they believe are relevant and missing from the available judging selection.

The Judges

John Chaplin

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Chair of Judges

John Chaplin has been highly influential in the development of retail payments for more than 30 years. He was one of the driving forces behind the phenomenal growth of Visa in a 17-year career where he was Executive Vice President and latterly ran the European processing business. He also spent 5 years working with First Data in global strategy and business development roles.
He is an adviser to Helios Investment Partners, the African private equity fund and is a board director of major payments companies in West Africa and Egypt. He has advised national payment schemes and regulators in 5 continents. He also works with several leading industry players and is a Board director of a number of earlier stage fintech companies.

He is the organiser of the Global Payments Innovation Jury, a prestigious group of 70 industry leading CEO’s, that convenes every 2 years to look at the state of innovation in the payments sector. The last report was published in April 2017.

Alain Falys

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Alain is the co-founder and Chairman of London-based Yoyo, Europe’s fastest growing omnichannel payment and loyalty platform. Yoyo first launched in 2014 and has already established itself in more than 700 university and corporate catering outlets and is now accepted in several retail chains, including Cafè Nero, Planet Organic, Harris + Hoole, EasyCoffee, where the Yoyo app already powers between 10% and 25% share of all in-store payment transactions.

He is a Partner at tech investment platform Firestartr, a member of the RBS Technology Advisory Board and a Director of payment companies and OneLinq.

After running the commercial cards division of Visa Europe for 5 years, Alain founded his first startup in 2000, the global e-invoicing platform OB10/Tungsten, which floated in London. He was a founding Partner at European e-commerce incubator Omnis Mundi which built BuyVip, acquired by Amazon.


Brian Dunne

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Known as Mr. GiftCard Brian has a lifetime achievement award from the UK Gift Card and Voucher Association – UKGCVA, a Fellow of IMA – Incentive Marketing Association Europe where he served as President for eight years.

He also holds the Karen Renk award and fellowship of the Global IMA where he was recognised for his service to the prepaid/ gift card and incentive industries.

Brian has as a consultant worked with most of the worlds largest retailers and is a well known speaker, judge and expert in this arena.

Carl-Olav Scheible

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Carl-Olav Scheible is a seasoned Fintech veteran with over 20 years of leadership experience in technology, financial services and payments. He operates at the intersection of eCommerce and online payments and has served as advisor and NED to numerous Fintech start-ups including Iwoca in the UK and Mopay in Germany.

Carl-Olav is Founder & CEO of QiPay, a Net1 company, the leading financial inclusion company and provider of digital identity & payments technologies in emerging markets. He also serves as a Fintech Entrepreneur-in-Residence with the family offices DraperGain Investments.

Previously, Carl-Olav was CCO with eNett, the leading B2B supplier payments company with a focus on online travel. From 2012 to 2015, Carl-Olav served as Executive Vice President, Europe, Africa & Emerging Channels for MoneyGram, the global remittance company. From 2004 to 2012, Carl-Olav held a variety of leadership positions at PayPal, most recently serving as VP & Managing Director for the UK & Ireland. Carl-Olav was part of the founding team of PayPal EMEA that grew the business from a 20 people start-up to a multi-billion dollar payments business.

Prior to this, Scheible was involved in a number of Internet and technology start-ups and started his career with the Boston Consulting Group and American Express. Scheible earned a bachelor’s degree in Political Science and International Relations from Michigan State University and an MBA from Columbia Business School.

Cenk Temiz

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Cenk Temiz, as EVP of Card Payment Systems at BKM, is responsible for strategy and national payment scheme. BKM has been established in 1990 in order to handle clearing and settlement operations of domestic card payments in Turkey. He joined BKM at 2012 in order to set up strategy function that focuses on card payment industry strategies and regulation management. He has taken a significant role within the management team that led the transformation of BKM; a company that acts as a driver for innovation with digitalization of card payments with mobile wallet, contactless, mobile payment solutions on top of the operational excellence enabling daily clearing and settlement operations. He has managed all the development phases of national payment scheme – Troy from the very first day of initiative. His current focus is to increase penetration of Troy by expanding product umbrella through innovative mobile solutions with Troy Innovation Center.

Prior to joining BKM, he worked for more than 15 years in banking industry, where he has depth experience in retail banking and banking strategies.

Charles Ifedi

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For over 15 years, Charles Ifedi has been a key figure in Africa’s burgeoning electronic and digital payments space.

Charles Ifedi was the pioneer CEO of Verve International from it’s inception in 2009 till early 2018. Under his leadership, Verve developed into the leading card brand in Nigeria with the best loyalty offering for consumers in the market. As at December 2017, Verve cards were issued in 6 African countries by over 40 banks and accepted in 18 African countries. In partnership with Discover Financial Services, Verve cards can also be used in over 185 countries globally.

Charles was also the Divisional CEO of Interswitch’s consumer business where he led the creation of industry leading digital payment platforms like Quickteller. Charles was one of the three founders of the Interswitch in 2001, was a member of the pioneer management team and was a member of its leadership team till early 2018. At Interswitch, Charles led the teams that developed Interswitch products, handled negotiations with various partners, forged alliances, managed acquisitions and expansion into several markets.

He has a wide range of experience in international expansion, product development, solution design, application implementation, business process re-engineering as well as business strategy.

Prior to joining Interswitch, he worked in Accenture and PwC. He also worked with American Express in the UK.

Charles is a First Class (summa cum laude) Computer Science graduate from the University of Ilorin. He also has an MBA from Cranfield University where he was awarded the Odgers Leadership Prize. He is currently undertaking an Executive Doctorate in Business Administration at Gerogia State University.

Christophe Bitner

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These last 15 years offered me the opportunity to contribute in the fast and deep changing of the retail banking industry in France and in Europe by the transformation of the models of distribution of banking products and services.

First I had the chance to be part of the successful start of online banking in France with ING Direct, and then more recently with Arkéa Banking Services we bring our expertise and banking platform to fintechs contributing in the disintermediation of financial services in Europe.

My focus is to create value by the transformation of organizations by the innovation, the continuous improvement and the alignment of the processes and the tools on customer expectations.

Skills: Fintechs, innovation, online banking, value creation, change management, continuous improvement, customer satisfaction, retail banking and business unit management.

Dave Birch

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David G.W. Birch is an internationally-recognised thought leader in digital money and digital identity.

One of the 2014 “Power 50” in European digital financial services and a NextBank Fintech “titan”, in 2013 he was named one of WIRED magazine’s global top 15 favourite sources of news from the world of business and finance and was ranked the no.1 influencer in European emerging payments by Total Payments magazine.

Dave is a Director of Consult Hyperion, the technical and strategic consultancy that specialises in electronic transactions. Here he provides consultancy support to clients around the world, including all of the leading payment brands, major telecommunications providers, governments bodies and international organisations including the Bill & Melinda Gates Foundation. Before helping to found Consult Hyperion in 1986, he spent several years working as a consultant in Europe, the Far East and North America.

Dave Joyce

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David’s career spans almost 30 years in the international payments business, holding senior leadership & general management positions in business development, product development, change management, technology and operations, in both mature and early stage companies.

With the pace of change in payments driving increasing complexity, requiring knowledge and experience across a range of disciplines, coupled with insight into the networks and players, the compliance & regulatory environment, David has a keen understanding of the ecosystem. He has served and chaired on industry and in-house Boards, committees and working groups, developing and implementing policies and regulations governing the issuance, acceptance and risk management for both card based, e- and m- based products and services.

In his current role as General Manager, Ixaris Technologies (a leading fintech and B2B payments innovator) David has been instrumental in bringing focus and helping the business scale as it undergoes exponential growth.

David Parker

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CEO, Polymath Consulting

David is the founder and CEO of Polymath Consulting who work on projects and advise organisations across the Cards & Payments industry.

Polymath Consulting and David are particularly well known for their work on Prepaid Cards, Digital Wallet & emerging payments.

He has worked across the complete value chain helping banks with their overall prepaid and emerging payments strategy right through to market entry analysis; as well as working with telcos, processors and programme managers on segment analysis, certification and membership applications.

Other areas of support have included outsource partner review, RFP and partner selection right through to proposition development.

For brands the has assisted in product proposition development as well as managing RFP processes/reviewing existing contract relationships for both open and closed loop schemes.

Geographically his client assignments have covered Russia, South Africa, Middle East, Europe and Asia.

He is an active contributor to forums on linkedin and a regular media commentator on the future of prepaid cards/emerging payments.

He is co-chair of the People in Emerging Payments forum on linkedin.

He has chaired and spoken at conferences and events from Mumbai to Moscow; Las Vegas to London and Johannesburg/Nairobi in Africa to Colombo/Sri Lanka.

Ian Sanders

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Ian Sanders is a retail professional with over 18 years senior and executive board role experience. As Group Commercial Development Director for WHSmith, he specialises in Retail Transformation and Retail Profit Growth Strategies.

Throughout his career, he has been actively involved in the pre-paid and payment industry. From the early retail adoption of gift cards and gift card malls to the more recent retail adoption of ‘Consumer Cash In / Out Apps’ , wider payment Apps and new payment technologies.

Janusz Diemko

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He has over 20 years of experience in the transaction and payment processing industry.

In July 2016 he became CEO of Polskie ePłatności S.A. a Polish acquirer, that was 75% acquired by Innova Capital a CEE VC / PE fund – which he was advising. In January 2018 he became a supervisory Board member of Polskie ePłatności S.A. and in this position he is continuing to advise both the company and the fund on further acquisitions and market strategy.

In 2015 he was providing consulting and advisory services, working on M&A projects, financing support and market analyses.

From 2005 he has been a supervisory Board Member of Ipopema Securities. From 2014 he is a Partner / Investor in Hedgehog Angel Fund investing in early stage ecommerce and ICT businesses in Poland.

From 2006-14 he was President of the Executive Board at First Data Polska. He has managed the acquisition process of Polcard by G-Tech/Innova Capital to First Data, subsequent integration of the company into the global organization. He was also Regional Director for Germany and Austria, and previously Hungary, Czech Republic and Slovakia.

From 2006-14 he was also the Chairman of Committee of Polish Acquirers under the auspices of the Association of Polish Banks and was a member of the Payment System Committee at the National Bank of Poland.

From 1998 to 2006 he was employed at Euronet both in Poland and EMEA, changing positions every two years; Finance Director Poland, Managing Director of Euronet Polska, M&A Director for EMEA and as Market Development Manager (Russia, Ukraine and Baltic states).

Born and educated in the UK – he graduated in Geography at University College London, qualified as a chartered accountant (ACA) and is a member of the Association of Corporate Treasurers ACT. He is an enthusiastic tennis, squash and accordion

Jessica Hardy

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Jessica Hardy is an Investment Manager for Dunedin, a leading private equity firm who invest UK-wide and helps business leaders achieve their growth ambitions.

Jessica specialises in financial services and has spent the last few years focussed on building her knowledge and network in the payments sector.

Before joining private equity, Jessica worked as a strategy consultant at Accenture.

Kamran Hedjri

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Kamran has 20+ years of experience in holding C-level roles in the fintech & payments industry. He has built companies across the payment value chain in Europe, North and South America and is currently leading Kalixa Payments Group. He has always been focused on driving innocation, accelerating growth and building a great customer experience.

Kevin Harrington

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Kevin Harrington has worked in and around emerging payments and B2B payments for over a decade with C-level or director roles with Gx, Prepaid Awards, Sodexo and Tungsten Network.

Today Kevin is CMO of The Panoply, a new innovation and technology group, soon to be listed on the London Stock Exchange. Currently the group comprises of 5 companies in the UK and Scandinavia and it will continue to roll out rapidly.

With a history including senior roles at BBC Worldwide and Sony, Kevin’s perspective as a judge of the Emerging Payments awards has a strong focus on product, marketing and effectiveness.

Kieron Guilfoyle

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Kieron is a seasoned entrepreneur having built and exited three Fintech businesses in the past 15 years. His previous companies include online and mobile payments company 3V (sold in 2015 for $16 million) Snapcount Ltd (sold 2008, undisclosed), a company specializing in fraud and control solutions for the credit card industry and GNET (sold in 2002,undisclosed) a retail banking “white label” online share trading platform.

He has raised over $50 million in venture and private funding to build Fintech businesses in Europe and N.America. In 2016 he established Rockfield Advisors Ltd. a boutique Fintech M&A advisory service.

He has led and influenced many of the key developments in payment card processing systems design. He is an accredited inventor of a number of major innovations in the industry in the past decade. In particular the technology that underpins Mastercards InControl technology that was purchased from Orbiscom in 2009 for $100 million and the development of VISA’s payments system for the London 2012 Olympics.

Kieron has over 30 years international senior executive experience in manufacturing, telecoms and financial services working with companies such as VISA, Paypal, Telefonica, Lloyds, Tesco, Orange, and Alcatel Lucent. He holds a B.Comm(Hons) from University College Cork and a Masters in Business from University College Dublin.

Mark McMurtrie

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Mark McMurtrie has worked in the consumer payments industry for 25 years. During the course of his successful career he has travelled to 60+ countries promoting the benefits of electronic processing and the advantages of the latest card technologies and payment methods. In 2012 he formed Payments Consultancy Limited to offer retailers, banks, service providers and technology suppliers truly independent and unbiased advice. Mark has worked with many of the world’s largest organisations and is a regular speaker at industry conferences. He acts as a consultant to the Retail Business Technology Expo and as a judge for industry award programs. His experience is broad and includes: Mobile payments, Chip & PIN, Gift cards, Prepaid, PCI DSS, ATMs, NFC, Wallets and Person to Person Payments.

Mark McMurtrie has previously held senior executive positions at S1, Postilion, The Logic Group, VeriFone and Hypercom. He started his career at NCR and has an Honours degree in Business Management with a specialisation in International Marketing.
+44 (0)7815 635609

Neira Jones

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More than 20 years in financial services and technology made Neira believe in change through innovation & partnerships. She is regularly invited to advise organisations of all sizes on payments, cybercrime, information security and digital innovation where she always strives to demystify the hype surrounding current issues. She likes engaging on social media and regularly addresses global audiences on these topics as a keynote speaker or chair person.

She is a Non-Executive Director for cyber security firm Cognosec and payments innovator Pay: Way. She also chairs the Advisory Board for mobile innovator Ensygnia and is a partner for the international Global Cyber Alliance. She is an Advisor and Ambassador for the Emerging Payments Association and is on the City AM FinTech Most Influential Power List, the City AM Powerful Women in the City List and the Innotribe Femtech Leaders List. Tripwire nominated her ‘Top Influencer in Security To Follow on Twitter’ in January 2015, CEOWorld Magazine nominated her Top Chief Security Officer to Follow on Twitter in April 2014, She is the Merchant Payments Ecosystem Acquiring Personality of the Year 2013, the SC Magazine Information Security Person of the Year 2012 an is an InfoSecurity Europe Hall of Fame alumni since 2011 and was and voted to the Top 10 Most Influential People in Information Security by SC Magazine & ISC2 in 2010. She has previously served on the PCI SSC Board of Advisors for four years, is a Fellow of the British Computer Society and worked for Barclaycard, Santander, Abbey National, Oracle Corp. and Unisys.


Nicolas Adolph

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Nicolas Adolph is the Chairman of the European Association of Payment Service Providers for Merchants and has been since 2005. He is also the Manager for Compliance and Association Activities for InterCard AG, Taufkirchen in Munich, Germany. In addition to these roles, he is the board member for two esteemed German associations; electronic cash – network operators (BecN e.V.) and ZVT-Host interface users (ZVT-Host e.V.).

Niki Akhurst

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Niki’s career includes over 14 years in the payments industry working for both international corporates and start-up organisations in senior management positions. Taking a career break in 2017 to work on a game reserve in South Africa, having now returned to the UK she is an Ambassador for the EPA, delivering the Women in Paytech initiative, an Associate with Manifesto, the Growth Architects – a boutique business growth consultancy and an Ambassador for the Armed Forces Para Snowsports Team.
Previous roles include Business Development Director for The Pennies Foundation – the digital collection box that works with the payments industry to enable merchants and retailers to collect micro-donations from card transactions for charities at the point of purchase.
Other roles include Global Sales Director (Prepaid) for Western Union, Visa Europe and Visa Inc’s Corporate and Consumer Prepaid programmes and Global Sponsorship consumer projects for the London 2012 Olympic Games and European Commercial Director for 3V Transaction Services. In her role at 3V, Niki was instrumental in developing and launching Europe’s first prepaid Visa product and Visa open loop co-branded gift cards with eBay, PayPal and bebo. Niki has also been involved in the development of mobile payment platforms and services since 2003.
Prior to joining the Payments industry, Niki held senior positions working for the UK Government on the Millennium Date Change Y2K Programme, Gtech Europe which operates 75% of the world’s Lotteries, delivery and implementation of the Bid for the UK National Lottery for Camelot (twice!). And Saatchi & Saatchi Advertising on global accounts such as British Airways, Mars Confectionery and Diageo drinks brands.

Paul Bartholomew-Keen

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Paul is a financial services innovator and payments leader, currently providing interim expertise for banks, payment networks and emerging challengers.

Paul has previously enabled three start-up payment and loyalty businesses get established in Europe and has also helped mid-stage and larger corporates through commercial change and product development.

Delivering consumer and third party requirements as the subject matter expert for cards, e-wallets and prepaid at Open Banking, leading a Lloyds product workstream for a digital payment initiative with Mastercard and managing the card scheme relationships for commercial card issuance at Barclaycard are recent highlights.

During his five year business leadership role at Mastercard, Paul was at the forefront of European prepaid product development, market expansion and innovation. Paul has also been responsible for managing key elements of the current account portfolio at Lloyds TSB, headed customer management at Barclays for medium-sized businesses and led various strategic and development-based roles at The Woolwich, Bank of Scotland and Barclaycard.

Paul Thomalla

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Paul has spent the last eight years at ACI Worldwide firstly being the CEO and General Manager of Europe, Middle East and Africa, and more recently developing and running Corporate Relations & Development to understand and to be part of Leading the changes in Payments across the Globe.

ACI has been at the forefront of the payments industry working with all the Payments Stakeholders for more than 40 years and has a strong track record of working with governments, regulators and industry bodies around the world.

Prior to ACI, Paul served in executive roles at Stratus Technology, IBM, Destiny USA, Microsoft and Catalyst Technologies.

Paul also serves on the: –

  • UK PSR advisory Board
  • Executive board of nexo, the international association that develops and promotes open messaging standards (ISO20022) for card payments.
  • Executive committee of the European Credit Research Institute (ECRI) of the Centre for European Policy Studies (CEPS) a Brussels based think tank and forum that debates EU affairs covering all European financial policy areas.
  • Ecommerce Europe’s Payments Experts Taskforce

Speaking links: (changes in the industry) (disruption) (security) (ACI overview)

Pavle Ljujic

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Hands-on entrepreneur with 15 years of a broad range of experiences in card payments and product innovation. An exceptional proven track record in driving revenue and growth. Key focus is on customer success and efficiency gains through tech.

Conceptualised the idea for Pannovate, as part of Paneleven’s expansion process turning it from a company department into leading tech company with a multi (patent pending) product portfolio and a Fortune 500 client base. Founder of xCEEd, a premier FinTech conference in Central and Eastern Europe and Emerging Payments Association for Central and Eastern Europe.

Philippe Bertinchamps

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Philippe Bertinchamps spent 33 years as an International Executive at Accor Group, in different countries and different businesses including Hotels, Tourism and Service Vouchers. The last positions were, at the same time, Chairman of Prepay Solutions Ltd in London and Deputy Managing Director of Edenred Worldwide at HQ Paris until January 2010.

Now owner of Berfi Management SA based in Belgium, a company selling consulting services and investing in E-payment.

Philippe is also Chairman of Prepaid Exchange France, part of  Gx based in London, gathering corporations concerned by e-money and prepaid services worldwide.

Raymond Lee

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Raymond Lee is an experienced Business Development Manager working in Mobile Payments, mCommerce industry, with a particular focus on MNO’s, Emerging and Alternative Payments and service providers. As Director of Sales at Trustonic, he works with many payment organisations across Europe who are looking to launch highly secure mobile payment applications.

Raymond brings strong knowledge and understanding of the issues around Prepaid and emerging payments along with the challenges that surround this space in the UK market. He has helped develop strategies for new entrants to Mobile Payments, alternative payments and mPOS and regularly speaks at payments industry events.

Robert Courtneidge

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Robert is CEO of international payments business Moorwand Limited. He has deep expertise in e-money, and is highly skilled in consumer finance issues.

For the past six years, he has featured in the Payments Power 10 (including #1 ranking in 2015), a highly competitive ranking of the most influential contributors in payments.

In the UK, Robert works closely with The Payments Services Regulator, HM Treasury and Financial Conduct Association. He is also Non-Executive Board Director/Strategic Advisor to over 15 diverse payment and payment related companies.

Previously, Robert achieved success as a senior legal professional specialising in card and payments law.

Sarah Francis

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Sarah works as an advisor for a number of clients on a global basis. Having worked in roles as diverse as Issuer Compliance Director, Fraud Product Manager, Group Fraud Prevention Officer, Market Development and Sales Director Sarah has covered the scope of ‘business promotion’ and ‘business development’.

Over 16 years working in the payments industry with e-money licensees, card issuers, acquirers, PSP’s, schemes, operators and mobile companies. Sarah’s experience covers 200 countries, 28 currencies and payments including cash, cards, cheques, mobile, wallets, contactless and bank transfers.

Sarah is focused upon the mechanics that enable companies to access money in the consumers pocket and return that funding or send it elsewhere for p2p, bill payment, payroll, money remittance and general spend. Enabling the delivery of consumer friendly products that minimise risk.

Scott Abrahams

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Scott Abrahams, Senior Vice President Business Development, UK and Ireland

Scott Abrahams is Senior Vice President, Business Development, UK and Ireland, Mastercard. He is responsible for developing and executing the UK&I Acceptance sales and marketing strategy to drive Acceptance growth and increase revenue performance.

Before joining Mastercard, Mr. Abrahams was Vice President and General Manager of Global Supplier Relations EMEA at American Express. He was responsible for revenues from suppliers such as British Airways, Emirates, Air France and Hilton. Earlier on, he also held the positions of Vice President of Client Management UK and General Manager Nordics at American Express.

Prior to this, Mr. Abrahams was Head of Relationship Management at Barclays Bank, leading 100 sales people with a focus on implementing innovation, change, motivation and culture within his team.

Mr. Abrahams began his career at Sainsbury’s as a Graduate Trainee Manager, rising to Deputy Store Manager and then moving to Project Management where he was accountable for the movement and banking of all Sainsbury’s physical and electronic turnover.

Mr. Abrahams studied Economics and Law at the University of Leicester.

Suresh Vaghjiani

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Co-presenter, Fintech Unplugged

Suresh is co-presenter of the controversial podcast series Fintech Unplugged. Suresh was President of Global Processing Services (GPS). Suresh has represented the fintech sector and the UK Government on a number of trade missions including Mexico, Canada, Serbia including a historic delegation with the R.H Lord Mayor of London to the southern hemisphere. He has hosted meeting with senior ministers including the current secretary of state Boris Johnson.

Suresh brings a wealth of knowledge in global payments with prior roles at FTSE companies Paysafe Group PLC and Kalixa Payments Group.

A solution driven innovator, with a track record of developing products and services that meet the customers’ current and future needs, Suresh is passionate about innovation and bringing the emoney sector to the main stream. He has a substantial understanding of electronic money, throughout its complete value chain, with strategic knowledge on what works and does not work in various international markets. Suresh was recently voted #1 in the Payments Power 10, an annual top ten list of key influencers in the payments industry. In 2017 Suresh became the first non-American in its 11 year history to be awarded the prestigious Industry achievement award by PAY magazine.

Svetlana Hoffmann

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Svetlana is a seasoned and internationally experienced manager whose 17 years of professional tenure spans across pharmaceutical, environment protection and financial service industry.

In her career she successfully led teams through complex, disruptive and innovative product designs, business and technology changes, turning ideas into deliverables by applying an adaptive and customer focused approach and high business ethics. Svetlana creates and delivers solutions for banks, payment networks and start-ups in today’s digital world. She is responsible for the successful launch of the first Vodafone mobile wallet, the IPS payment platform and various financial products and services. Svetlana is passionate about all digital and in constant lookout for a problem to solve. She enjoys challenging programmes that bring positive change to organizations as well as launching new and innovative products and services to the market and always strives to achieve maximum value for clients and a positive user experience for customer.

Svetlana is a Non Executive Director for german crowd-lending company Fundingwerk, an active Emerging Payment Association (EPA) ambassador and a member of the EPA Annual Award judging panel. She also deploys her expertise and knowledge on an interim basis – helping existing and emerging financial services providers take the next steps in digital evolution.

In addition Svetlana works as a coach specialising in Personal Development and Business & Executive coaching.

She enjoys capturing the moment with her camera above and under the water and cares deeply about animal welfare and protecting the environment.

Tom Elliott

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Tom is an investment director at Bowmark Capital, a leading mid-market private equity investment firm specialising in UK growth companies valued at up to £200 million. Tom leads the firms origination efforts in Financial Service and has been involved in investments across a range of industries including Aston Lark, a leading commercial insurance broking business, and Nexus, a tech-enabled corporate vehicle rental provider. Prior to Bowmark, Tom spent eight years at PwC, where he was a member of the corporate finance team completing numerous transactions over the period. He has a first class degree in economics and finance from The University of Bristol and is a Chartered Accountant.

Warren Russell

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Managing Director, W2 Global Data Solutions Ltd

In 2011 Warren founded W2 Global Data Solutions and from the beginning has built and subsequently transformed W2 into a dynamic, cutting edge provider of Consumer and Corporate Information Solutions. Warren remains at the helm in his capacity as CEO/Managing Director and his ability to adapt to new and challenging situations with commercial acumen means W2 is now consistently punching above its weight and successfully competing against many recognised industry giants across a wide range of sectors including Retail Banking, Merchant Acquisition, Insurance, Emerging Payments, CryptoCurrency, Legal, Financial Services, Retail, Gaming and NFP.

W2 now has over 100 users of it’s software and data spanning 3 continents and continues it’s drive into new markets and geographies.

Warren is a consummate professional with extensive expertise in many complimentary areas including AML (Anti Money Laundering), Anti Fraud, CTF (Counter Terrorism Financing), Loss Prevention, Background Screening (Staff/Customers), Startups, Credit Analysis, Risk Management, Business Development, Financial Products, Management, Customer Profiling, Regulation and Compliance. He is no stranger to speaking in front of large audiences or bringing together intimate round table collaborations on topics such as Age Verification, UBO identification, eIDV and AML.