Richard is a recognised authority in the fast moving payments space, having worked in the industry for over 25 years. Until recently he was Head of Cards at UK Finance, where he  provides a representative voice for the UK cards payment industry and was at the centre of evolving legislation and regulation, delivering a number of globally-recognised projects that delivered tangible benefits for consumers. He has  previously worked at with some of the largest UK banks, including Lloyds.

He is currently a partner in JAM ICT, a boutique consulting practice specialising in strategy, products & propositions and customer experience across the digital payments landscape. Blending market experience, expansive knowledge of the political and regulatory landscape and new and emerging technologies, he is committed to designing and delivering innovation, driving new revenue opportunities and championing customer propositions and outcomes.