UK

Lead contributor to the development of the LINK Network in the UK, from negotiation of Link-Matrix merger in 1988, through Strategic/Technology Advisor to the CEO during subsequent 5 years of (outsource-processed) growth, and establishment of a de-novo Processing center. Developed Operating Rules, and Network pricing, inc. Interchange fee models. Also, in the critical period of 1999-2001 to meet UK government Competition Requirements, again retained to 'open' LINK to non-FI Members (OpRules, Governance, etc), & to develop a 5-Yr strategy for ATMOS, and to establish/develop of ISO operations & Surcharging in the UK.

Launch in UK/Europe of a major co-brand card (highest use & $-charge in UK, in 12 months), and in UK of a successful Store card with a user base exceeding 1 million.

Acquirer strategy for a major Bank, leading to the emergence of 'duality' in the UK. Subsequent business planning for a de-novo Acquiring business, and, several profit-improvement assignments, focused on the Merchant market positioning and profitability.

Retail Product Distribution Strategy for 3 of the largest UK retail banks. Each required review of current/future product/market positioning, product profitability analyses & determination of the mix of technologies & human resources required to optimise sales/service delivery, operations costs, and capital investment.

Incremental business potentials & resource requirements to establish financial/mortgage services as the New-Biz-line of a major and extremely successful European direct Insurer.

For a major UK financial institution, briefing on the initiation, negotiation, implementation of a UK Building Society acquisition.

Consumer current account pricing, account growth/retention, & 'relationship' development.