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David is the founder and CEO of Polymath Consulting who work on projects and advise organisations across the Cards & Payments industry. He is also an active mentor, NED and advisor to boards. David advises and/or sits on the boards of: Cybertonica, Stylopay and Curve along with others. His most recent project is the launch of a new company with two colleagues called Konsentus that facilitates checking the regulatory status of Third Party Providers along with eIDAS Seal Certificates, and the issuing of access tokens to enable FIs to be PSD2 open banking compliant. 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.