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

Roger Alexander

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Chair of Judges

Roger joined Accourt in July 2008 as a non-executive Director. Most recently he was European President for Elavon Merchant Services and previously CEO of Switch Card Services following a distinguished career at Barclays. Roger provides support and counsel to the team at Accourt, a niche consultancy operating across the full spectrum of the Payments Value Chain, and also works with Clients on some Assignments specifically those of a strategic nature. Few leaders can match his knowledge and experience in the payment industry – he combines this with a deep and genuine concern for nurturing and developing people and enjoys mentoring the next generation of Payments professionals.

He currently holds a number of other non-executive and advisory roles, including Caxton FX in the UK, Valitor in Iceland and AvantCard in Ireland as well as being on the Advisory Board of Pennies; Roger also acts as an Advisor to the Private Equity sector where he is particularly active at present.

Roger lives with his wife and family (and their dogs) in Northamptonshire and enjoys playing golf and watching most sports.

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

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.

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.

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.

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.

Jon Sederqvist Ostmoe

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Jon Sederqvist Østmoe is a Nordic payments entrepreneur and business analyst. He has successfully delivered cards and payments projects in 30+ countries across five continents for banks, processors, industry organizations, payment service providers, consultancies, investment firms, government agencies, start-ups and others wishing to understand and capitalize on opportunities in payments.

Jon’s entrepreneurial track record includes founding MACAWRESEARCH.COM, a global payments consultancy, and co-founding PRESEND.COM, the leading Nordic-Baltic prepaid program manager. Jon is also a known speaker in the payments industry, and he has authored and edited 100+ payment market reports and articles since his introduction to payments. A creative thinker, passionate about learning, inspiring others and exploring what is beyond the next hill.

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.


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.

Steve Bradbery

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Steve Bradbery – Bradbery Consulting BIO

Steve Bradbery has over 27 years payment experience, extending across Acquiring, Credit, Debit, Gift and Loyalty. Steve’s roles have focused on the consumer relationship, ensuring that products and services offered mean the consumer need and maximise the revenue potential for the provider – in particular the adoption of digital and mobile strategies. Steve has global experience, living in both the US and UK and managing international accounts. Steve has spoken at conference in the US, China and across Europe and is currently managing his own consultancy.

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.

John Sylvester

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Divisional Managing Director, P&MM

John Sylvester has been largely responsible for the development and growth
of the motivation & incentive discipline within P&MM and Motivcom.

John has over 25 years experience in the motivation agency business and joined p&mm in 1989. Following a management buy-out the business was floated on AiM, he remains a major shareholder in Motivcom plc.

John is responsible for the incentive and loyalty areas of the business. He has a depth of experience in developing, implementing and directing large scale motivation and communications programmes, and is a recognised industry authority in the field of motivation, making regular contribution to industry press comment and speaking at leading industry conferences and seminars.

John is a member of the IPM board of directors where, he has helped develop the Motivation diploma. He has also amassed particular expertise in the field of prepaid cards over recent years, having developed B2B prepaid card programmes for some of the UK’s largest organisations.

Kevin Harrington

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Kevin Harrington is Chief Commercial Officer of Tungsten Network (LSE: TUNG). Tungsten Network empowers Buyers and Suppliers with Automated Financial Services and Analytics.

Tungsten Network is the world’s largest compliant electronic invoicing network, connecting hundreds of thousands of buyers and suppliers in all the markets they serve.

Some 56% of the Fortune 500 and 67% of the FTSE100 use Tungsten Network’s global invoicing platform to streamline the invoice-to-pay process, distributing more than 23M invoices and managing more than €200B in spend across the platform each year.

Clients include market leaders across a wide array of industries, such as Deutsche Lufthansa, General Motors, GlaxoSmithKline, IBM, and the U.S. Federal Government.

Kevin has a strong pedigree and has held senior roles with BBC Worldwide, Sodexo and Sony. Previously he was Managing Director of the Emerging Payments Awards.

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. Launching digital content through self-service kiosks in Russia, managing Bank of America’s virtual account solution for key global clients such as Sage Group and delivering product diversity for SME’s at Annecto UK 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.

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, within senior management positions. Having recently taken a career break to work on a game reserve in South Africa, one of Niki’s new roles is Business Development Director for Zulu Waters Game Reserve and Director for The Dalton Education Trust. Having returned to the UK in August for the foreseeable future, Niki is also working as a consultant back in the payments industry.

Her previous roles include Business Development Director for The Pennies Foundation – the digital collection box ( that works within the payments industry to enable merchants and retailers to collect ‘just a few pennies’ through the POS or checkout transaction, so enabling micro-donations 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 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 Prepaid 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. And also at Saatchi & Saatchi Advertising on global accounts such as British Airways, Mars Confectionery and Diageo drinks brands..

Becky Clements

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As Head of Industry Engagement, Becky Clements is responsible for Metro Bank’s payment and card change activity, as well as leading industry and third party engagement. Becky has extensive experience of working with the payments industry and delivering long-term, sustainable value to both customers and business.

Becky has close involvement with the Payment System Regulator and sits on the Advisory Panel and the Payment Strategy Forum and is part of the delivery group for the consolidation of the three Retail Payment schemes. This close involvement gives her a unique perspective on the progress and work being taken to improve customers’ payment experience.

Becky is also a Director of Payments UK and Faster Payment.

Tom Blomfield

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Tom is CEO of Monzo – a new smartphone bank. In 2013, he was nominated one of the top 5 Entrepreneurs under 30 by the European Commission. In 2016, he became the youngest ever CEO of a UK bank. He previously founded GoCardless, a fintech startup that has gone on to raise $25m.  He blogs at and tweets as @t_blom

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.

Geoffrey Barraclough

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I began my professional life as an economist but have spent most of my career in marketing; beginning with fast moving consumer goods before moving into B2B technology products and latterly payment services. I’ve held senior strategy, marketing and product roles at Philip Morris, BT and WorldPay before joining EVO Payments International as head of proposition in 2016.

My expertise is getting new business ideas to market and successes include the first iPAD POS application deployed the UK as well as WorldPay Total, the first complete payment service for retailers.

As I judge the awards, I’ll be looking for new products and services that demonstrably solve a problem for customers.

David Bibby

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David is an 18-year smart card payment industry veteran whose proficiencies span from technical and commercial implementations to digital payments.

Currently, David is a Senior Manager in the Chip Center of Excellence at Discover Financial Services. He leads the Chip Product Management Team in the deployment of the Discover solutions for contact, contactless, transit and mobile point-of-sale transactions.

Prior to joining Discover Financial Services in 2013, David worked for several payment industry influencers such as Mondex International, Europay, MasterCard and Visa Europe.

He has extensive experience in the development of contact and contactless EMV payment applications and has worked closely with Transport for London and various UK banks on the contactless payment program for the London transit system.


Scott Abrahams

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Scott Abrahams, Group Head, Acceptance, UK and Ireland
MasterCard Worldwide

Scott Abrahams is group head, Acceptance for UK and Ireland MasterCard Worldwide. 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.

Kevin Jenkins

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Kevin Jenkins was appointed Managing Director, UK and Ireland at Visa Europe in July 2014 and is responsible for directing Visa’s business operations in these markets.

In the UK, more than £1 in every £3 spent is spent on a Visa card. The UK is one of the world’s most innovative payments markets. Most recently, Kevin has been at the forefront of driving the adoption of contactless (NFC) payment culminating in the step-change signalled by Transport for London’s recent introduction of contactless payments on the London Underground, ApplePay launch and other key developments in Europe. He regularly provides commentary and insight to key developments in innovation and technology in retail financial services to key stakeholders, regulators and the media. Prior to his recent appointment, Kevin was responsible for directing Visa Europe’s commercial engagement with many of Visa’s global client banks including Barclays, HSBC, Citibank, Santander and Bank of America over a five year period. Before joining Visa, Kevin held senior consulting roles leading teams in Europe, North America and Asia.

Ruth Milligan

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The BRC is the lead trade association for the entire UK retail industry.

Ruth leads the work concerning all types of payment products and acceptance, including card interchange fees, innovation and mobile payment technologies, technical and security standards for electronic payments, cheques and cash and issues surrounding consumer credit. She is a qualified UK solicitor with a Masters degree in EU competition law and previously has worked in the UK government legal service, for Linklaters solicitors’ practice and at a high level in the European Union for the EU retail association, EuroCommerce, where she sat on the Cards Stakeholder Group and as expert in the ECB’s Euro Retail Payments Board.

Jeremy Kuiper

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Senior Vice President and Managing Director

Jeremy L. Kuiper has served as Managing Director of the Payment Solutions division of The Bancorp since 2007.
Previously, he served as Director of Financial Management, Operations and Credit Risk Management at BankFirst. While with United Credit National Bank, Jeremy served as Senior Vice President, Specialized Card Services, from 1994 through 2007 and as Senior Vice President, Card Products from 1997 through 2000. Jeremy is an in-­demand industry panelist/speaker and avidly participates on many boards, including the Network Branded Prepaid Card Association, of which he is a former Chairman.

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 Clowes

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Co-Founder and CEO of Payment Cloud Technologies (PCT)

As former Director of Abbey National Bank (now Santander) and Unisys, Ian has over 20 years’ leadership experience in the payments industry, including previous board-level appointments at BACS and APACS, amongst others.

Ian is currently a Non-Executive Director of charity banking company Change Account Ltd and airline payments experts Travel Welfare Ltd. He is also an Advisory Board Member of the Emerging Payments Association, the UK’s leading trade body advancing payments innovation.

Ian holds an MBA from the University of Warwick.

Robert Courtneidge

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Robert Courtneidge is Locke Lord’s Global Head of Cards and Payments. Noted for his knowledge and experience in the e-money area, Robert has acted on matters for major financial institutions around the world, as well as for internationally well-known technology providers. He has more than 20 years of experience in the cards and payment systems and is skilled in all aspects of consumer finance issues, including consumer protection, banking regulation and compliance and data protection.

Robert is a frequent spokesperson on current issues facing the European Payments’ Industry and regularly speaks worldwide on prepaid cards and its technology. In recognition of his achievements and commitment to the industry, Robert was named Best Industry Contributor at The Prepaid Awards 2011, and was recently voted #2 in the Prepaid Power 10, a top ten list of key contributors to the prepaid industry. He is also Chairman of the Prepaid International Forum.

Craig James

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Craig is the CEO of Neopay Ltd and a specialist in E-Money/PrePaid Anti Money Laundering and Financial Services compliance.

He has over 15 years of experience in the industry having held Head of Compliance, Compliance Director and Global MLRO positions.
He is a highly experienced Financial Services Compliance/Regulatory specialist and MLRO having held Controlled Functions 1, 2, 10 and 11 for both UK and International Financial Services companies. He brings considerable business experience and knowledge, along with a full understanding balancing risk management, regulation and performance.
Having delivered numerous risk and compliance projects for a range of companies from FTSE 100 and AIM listed PLCs to entrepreneurial start ups, Craig has the experience to identify and effectively communicate strategies to improve performance whilst managing risk, identifying key areas where control functions are restricting the business unnecessarily, as well as areas where additional risk management processes are required. He is also an experienced facilitator, trainer and mentor, facilitating client feedback programmes, Financial Services training including AML training, and giving one-to-one training and mentoring to senior compliance officers in a range of organisations, including the UK‘s Financial Regulator.He has worked on a wide range of projects, and has a significant track record in e-money and payment services. These include partnering in the development and release of one of the largest pre-paid schemes in the UK and partnering with a European pre-paid card issuer to enable them to successfully expand into the UK. Craig is also Non-Executive Director of the prepaid industry body ‘PrePaid International Forum’. A ‘not for profit’ organisation which liaises with, and educates, regulators worldwide on the intricacies of Electronic Money as well as providing support and education to proponents of prepaid throughout the world.

Anıl Uzun

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Visionary Serial Entrepreneur & Investor entrepreneur experience in payments and fintech

Fintech investor and Visionary Serial Entrepreneur A person marked by evangelical enthusiasm for or support of any cause. I have a dream and the vision to actualize this dream.


Iana Dimitrova

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General Counsel, AKCE

With extensive experience in fintech and payments law, Iana oversees the product innovation and global expansion of Akce’s diversified portfolio of regulated services, including Clearsettle (payment gateway), Ozan (electronic money platform) and SettleGo (foreign exchange platform). Prior to joining Akce, Iana served as Head of Legal Affairs for Digital Wallets at Paysafe and Managing Director of their operations office of circa 900 people in Sofia.

Iana believes technology is at the forefront of disruption in the highly regulated payments industry and promotes the adoption of regtech and lawtech for in-house legal teams with limited resources. She implements the use of technology for routine legal tasks to free the highly skilled force helping the business scale up quickly.

Iana is an active member of Women in PayTech and Women in Business at London Business School focusing on advancing women’s leadership.

In addition to her law degree from the University of Strasbourg, France, Iana holds an Executive MBA from the London Business School. Iana lives in London is a keen kitesurfer.