25 years of card experience in delivering innovation to the payments industry in both UK and US markets.
Robin Dear – Finance Director
25 years of experience managing finance functions including 10 years in Director level roles. His career has already spanned a company turnaround for a small start up to a head finance role with Citibank.
Najlaa Taqi Eddin– Marketing Director
16+ years of consumer financial services experience both in the UK and US. Najlaa has held a number of senior director level positions in the UK including Marketing Director, Managing Director, and has been an FSA approved person for over 8 years. She has worked for a number of Blue Chip companies including Providian Financial, Barclaycard and GE Money; as well as successfully setting up and managing a start-up company in the UK which sold for a 20% premium.
Paul Schooley – Pricing and Risk Director
15+ years experience in the US and UK , holding senior roles in credit, risk and pricing optimisation for unsecured payment products. Through Data Mining and Segmentation, Paul has facilitated significant revenue growth working for companies such as NatWest, Providian and GE Capital
Jim Jones – Non-Executive Chairman
30+ years of card experience including President and Vice Chairman roles at Providian. He currently holds a number of board roles and past board positions including a seat on the Visa USA Board of Directors.
Stephen B. Galasso - Non-Executive Director
20 years of card experience including the CEO of Bank of America's Credit Card Company and recently held position of Chairman and CEO at Netspend, one of the most successful and profitable prepaid companies and is presently a non-exec director for Account Now a successful online prepaid issuer in the US
1 st prepaid card company in EU admitted as full MasterCard member
European (SEPA) ELMI granted by FSA (Jun’10)
Visa Membership Approved (July ’10)
Rank as top 5 Europe (top 20 Global) MasterCard prepaid card issuers (Today)
1 st instant-issue product
1 st Online Acquisitions Tool
1 st to offer Chip and PIN
1 st to offer purchase protection
1 st to offer add on functionalities to enhance the product solution for clients
Integrated Currency product
Product Implemented over 60 programmes while achieving the accolade as the most awarded prepaid card in Europe
APS Overview Most awarded prepaid card Most Innovative Retail or Corporate Payments Product launched Most Promising New Product in Retail Financial Services Best customer servicing in Prepaid Cards Europe ’07 Voice of the customer for ‘Credit Builder’ ‘08 Best European Prepaid Card Product Launch Best inbound customer service campaign Best Prepaid Card Best achievement in customer service Best General Purpose Card – UK ‘09 Best Unbanked prepaid card – UK ’09, ‘10 APS focus on customer service drives client success !
APS Overview: Operating Model: Linking the partnership
Programme Manager (MSP)
Consumer Credit License *
CAIS and Insight Members *
Regulated by the OFT
Regulated by the FSA
Principal Member of Visa and MasterCard
* Specifically enables our Creditbuilder feature, but does provide access to partners for lending or overdraft product solutions Enables Delivers
APS Overview: Differentiators Operating Model: More than just card issuing Bank Sponsor Flexible Operating Model
Adaptable to current partner needs
Expandable to enable client’s future growth
Card Mgmt Payment Solutions Lending Capability Prepaid Consulting Customer Mgmt Full Service breathe in Programme Management Online Enablement Supporting 500,000 customers and 2,500 businesses today
APS Overview: Differentiators Operating Model: More than just card issuing Bank Sponsorship
Focused : Single product oversight, no internal conflicts
Safer : E-money not deposit taker
Faster : product/programme approval in days/hours not weeks