Advisory Board

A board panel of respected industry advisors offering expert advice

Paul Townsend

Paul Townsend

Paul started his career in core banking working for major banks such as S.G. Warburg, BZW, RBS Trust Bank and finally as Vice President of Treasury Operations for Bank of New York in London. After over 20 years in the City Paul joined Earthport plc the Aim listed payment company as Banking Director with responsibility for operations and the banking network, as well as being a Board member.

After a brief spell at Neteller UK Ltd with responsibility for bank partners, he became one of the founders of Envoy Services Ltd. Envoy Services was sold to Worldpay in 2011 when Paul took the role of Chief Strategy Officer within the Worldpay e-commerce division focussing on geographical expansion.

Paul is now an investor and advisor to other companies in the payment space and a founder of Vitesse PSP Ltd. Pauls key experience is in operations, banking relationships, geographical expansion and corporate development of a company through to sale.

Praful Morar

Praful Morar

Mr. Praful Morar is Corporate Development and Strategy Director for the SafeCharge International Group Limited. Praful is focused on driving SafeChargeís international expansion plans in existing and new geographies, identifying and qualifying new ideas and developing growth opportunities for the company.

Prior to joining SafeCharge, Praful was Vice President of Vertical Market Strategy at Worldpay, the global payment processing company, and brings with him more than a decade of experience in the international payments industry. Praful has also held key positions at the National Westminster Bank Plc and The Royal Bank of Scotland Plc.

Prafulís management expertise was developed during the course of his career, having resided and managed various teams in the UK, Europe and more recently Asia Pacific regions, with overall responsibility in growing revenues in the e-commerce, gaming and other payments sectors.

James Allum

James Allum

James is the Chief Commercial Officer at Ukash. Here his responsibilities include Distribution, Merchant Acquiring & Country Management (including expansion). Ukash has been recognised for its excellence in international business by Her Majesty The Queen for four consecutive years - 2011, 2012, 2013 and 2014. The Queens Award for Enterprise is considered the UK’s leading business accolade.

James is FCA approved having previously held CEO positions at two of Western Union's entities. As regional head for Western Unions 2nd largest and best performing country P&L he launched online & mobile money transfer initiatives as well as their first Pre Paid card programme in Europe. Also at Western Union he was part of the team charged with acquiring and integrating 6 businesses (total value $2bn).

James was introduced to the payments world in 2007 by Neill Butcher who placed him in his first role at Western Union. Prior to this James had a successful career in the Business Information market with companies that were sold to Dunn and Bradstreet and Thomson Reuters.

Phil Davies

Phil Davies

As an acknowledged payments industry expert Phil set up his own specialist advisory service, Resource Associates, upon leaving MasterCard in May 2010. Phil has set up alliances with other specialists and forged excellent relationships with legislative/ regulatory bodies and payment schemes in order to provide ‘best of breed’ solutions and services. Phil has many retained clients, including Visa EU, and sits on the board of P&P Ratings Ltd and PSI Pay Limited; he is also retained by VRL Financial News as a contributor and technical author.

Prior to this Phil spent eight years as VP & Business Development Director of MasterCard Europe where, amongst his other achievements, he was instrumental in the introduction of prepaid to Europe. In doing so Phil has forged relationships with the major banking players, third party service providers and governmental regulatory bodies and lobbyists.

Phil has had a successful, and diverse, career encompassing retail banking where he was Senior Manager and Group Head of Lloyds TSB’s B2B consumer finance division. Prior to that Phil held positions within Xerox corporation culminating in Regional Manager - Middle East where he spent several years developing the acceptance of the Xerox brand.

Ian Povey

Ian Povey

Ian is Senior Director Product Management - Acceptance Solutions at PayPal. He is also an experienced & internationally recognised advisor to the cards and payments sectors. Through CardsConsult, Ian delivers strategic insight and guidance on new technologies and business models as they relate to payments, rewards and identity related initiatives.

Ian has been directly accountable for payments initiatives for more than fifteen years through roles based around the world at Coopers & Lybrand, PwC, EDS, MBNA, ANZ and CardsConsult.

Initiatives include Program Director of the Malaysian National ID, formulation of the Bonus Card in Turkey and a secondment as Smart Cards Policy Advisor to the Office of the e-Envoy (UK) to develop the Smart Card Policy Framework. Ian continues to work on organisational and market changing initiatives in Australia and abroad. Ian is widely published, including the Journal of Payments Strategy & Systems in London with "Assessing the impact of EMV migration: A pragmatic delivery approach".