I have worked in Financial Services for almost 40 years with NatWest, Royal Bank of Scotland and VocaLink. For the last 20 years I have specialised in payments and e-commerce. I now run my own consultancy practice, Perficiam.
I headed NatWest's Corporate Marketing and Corporate Payments functions for much of the 1990s, sponsoring - amongst other things - the development of corporate online banking and launch of the first UK Purchasing Card. I moved to the e-commerce practice when online trading began to develop and lau