David Cole has over 30 years' experience in cards, retail banking, payment systems, computing and management services. He has excellent knowledge of applications in the credit, debit, charge, pre-paid, mobile, NFC, loyalty and the payments industry in general. Over the last 15 years, David has been involved heavily in the emergence of smartcards and the EMV standards. He has become a leading exponent in the use of smart cards across all market sectors to exploit and utilise the opportunities the technology provides for expansion, efficiency and increased profits.
Richard Sanders entered the payments industry in 1984 and has worked for two major UK banks, an international payments scheme a third party processor and a major payments software vendor which gives him a unique insight on how the industry has developed and continues to change. He is now a payments Consultant working independently and with Associates.