In the position, Choitram's key objectives will be to support the sales and business development of eWise payo, and eWise payo mobile in the UK. He will work closely alongside managing director, John France, supporting the sales cycles for banks and retailers - accelerating the growth of eWise payo in the UK.

Choitram brings over six years' experience in the card industry. He was formerly a business development manager within Visa Europe, focusing on card product sales and issuer portfolio conversions across European growth and emerging markets. Prior to that, he spent three years within Visa Europe's Processing Sales division, building an understanding of the various stakeholder requirements across the entire card payments value chain. Before Visa, he was a sales manager at Elavon Merchant Services, providing multi-currency card acquiring services to Pan-European merchants.

eWise payo enables the consumer to initiate secure and private payments for goods and services or bills online, without having to provide personal financial information to any third parties. To use eWise payo, customers are directed straight to their bank's website where they will log in using their existing account credentials. Once in their online banking application, consumers select from any account with available funds and confirm the payment. eWise technology enables the secure payment, leveraging the UK's Faster Payments network, thereby generating a near immediate payment for the merchant.

Commenting on the new appointment, John France, managing director of the eWise European Payments Division, said: "I am delighted to announce Kunal's appointment. He brings a wealth of experience and contacts across the European payments industry, and his proven track record will undoubtedly add real value to the business."

Kunal Choitram added: "eWise payo deals with the end-to-end payments chain. The technology is simple and relevant today, it is also hugely didisruptive and - as such - I believe will become a significant player within the payments industry.

"I believe that cash and cards are here to stay, but their relevancy will diminish in the commerce space. eWise payo simplifies the payments model, whilst also making it more lucrative for the relevant parties involved in a transaction."