David is the founder and CEO of Polymath Consulting working on projects and advising organisations across the Cards & Payments industry. Polymath Consulting and David are particularly well known for their work on E-money & Emerging Payments. Prior to moving into payments David spent 20 odd years with leading advertising agencies including Saatchi & Saatchi, Bates and McCann Erickson. Starting his career below the line in Sales Promotion he ended up as a Group Account Director and Head of New Business through the line.