David is the founder and CEO of Polymath Consulting who work on projects and advise organisations across the Cards & Payments industry. David is also an active mentor, NED and advisor to boards. He advises and/or sits on the boards of: 3S Money, Bee Good, Konsentus, PiePeople, Nymcrad, Swiipr, and Curve along with others. His is also the co-founder of Konsentus that provides TPP regulatory & identity checking for PSD2 open banking. In consultancy he has worked across the complete value chain helping banks with their overall E-Money/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. Geographically his client assignments have covered Russia, South Africa, Middle East, Europe and Asia; in reality clients have come from all continents other an Antarctic. He is an active contributor to forums on linkedin and a regular media commentator on the future of e-money/emerging payments as a thought leader.