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

He is an active mentor, NED and advisor to boards including: Swiipr, Hands In, WAC, along with others. Previously he was involved with companies including Curve and 3S Money.

He is also the co-founder of KYP that does real-time 3rd party enterprise risk and reputational monitoring with.

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.

He co-founded an open banking company and has been involved involved as the Lead Ambassador to The Payments Association in supporting various FCA/JROC responses