Personal Experience: Digital Payments Evolution - CEMEA. Extensive Entrepreneurial experience, Business Strategy & Strategic Partnerships, Founder & Co-Founder of Payment Consulting companies, Conceptualising Business Ventures on Regional Engagement, Business & Market Development, Heading-up VAS Product strategy and deployment, Digital Payments & Service Consulting to Banks, FinTech, Regulatory on Financial Institutions, Telco's within Emerging Markets, focusing on Digital Financial Inclusion. Government Engagement with Regulators, Telco's, Mobile Payment Gateways, Central Banks, Domestic Switches, ACH's, Processors, Payment and Bankers Associations, Microfinancing institutions. 20+ years focus & passion on National Payment evolution into EMEA & APAC region. Domestic Switches Processing & Network VAS into SSA. Payment Processing value-chain (card processing, acquiring/issuing banks, Interchange Rates/fees) Company formation, Professional Consultant, Advisor, Business/Market Development Strategist to international multicultural business environment, Regional engagement, skilled in developing strategic plans addressing shifting markets, P&L management and driving high performance cross functional teams in tackling complex business problems with entrepreneurial innovation and pioneering approaches. A true passion for the CEMEA & APAC Regions, expanding Digital Payment Solutions and Financial Services footprint into regions on financial inclusion. Business Dev, Strategic and Service Consulting & Advisory Professional: ** Financial Institutions - Central Banks, Payment & Bankers Associations, Commercial Banks, National Payment Systems, Switches & Clearing Houses (ACH's), Telco's, MNO's => Network Processing VAS Products, Digital Banking, Card Tech & Interchange Fees => Retail Fuel (Petroleum) Payment and Loyalty => Crypto, Blockchain, DLT, AI, IoT => Fintech, RegTech => RTGS, ACH, Payment Processors, Switches, Gateways => Governance/Regulatory => Mobile Banking, Wallets, Payment Gateways => Microfinance, integrated Mobile apps => e/eCommerce, Retail => Cross Border Real Time Remittance => Acquiring/Issuing => 3rd party VAS apps & integrations (Micro & Nanno lending, utilities) => NGO's, Global donor, Financial Sector Deepening (FSD Africa), World Bank Event Speaker, Panelist/Moderator at International Summits SADC Region Specialty APAC & EMEA RCH - Regional Clearing House ACB - Automated Clearing Bureau Domestic Switches Sub-Sahara Africa NPS Evolution Memberships: GBA - Government Blockchain Association GSM Association GSM Mobile Money