David is the Founder and CEO of Polymath Consulting. The firm advises organisations across the cards and payments industry and is particularly well known for its work on e-money and emerging payments. David is also an active NED and advisor to boards. He advises and/ or sits on the boards of: Cybertonica, Stylopay and Curve. As a consultant, 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. David has also worked with telecommunication firms, payment processors and programme managers on segment analysis, certification and membership applications.