Advising organisations who are serious about wanting to transform their Payments business and deliver results fast. 

Growing your payment flows across mobile, digital, cross border and real-time environments, requires an agile strategy, transformation of legacy payments infrastructure and the creation of new digital payment services and partnerships.


My approach is thorough, insightful and practical with customer expectations, market dynamics and speed of execution in mind: 

  • Financial-District-Glass-Buildings,-City-of-London-000042508142_Large\\ Clarifying vision and building strategy
    \\ Finding and evaluating opportunities for new revenue growth through acquisition, consolidation and diversification
    \\ Developing disruptive NPD, technology and digitisation
    \\ Focusing on current market demands, new markets and future forecasts
    \\ Risk and Compliance management and Scenario planning
    \\ Defining new operating models and implementation plans
    \\ Practicality and simplicity


Modern-International-Business-Center-Moscow-City,Moscow,-Russia-000084294669_LargeI offer experience, expertise and capacity in major Transformation programme initiatives:

\\ Identifying the case for change through clear visioning, strategy development and evaluation of alternatives.
\\ Redesigning Target Operating Models and core Technology and Operations architectures to deliver the strategy.
\\ Establishing and running complex multi-stream programmes to deliver the transformation and realise the benefits. 


I have specialised domain expertise to manage and execute your projects smoothly:

  • Modern-Glass-Ceiling-000012448735_Large\\ Delivering ground breaking new products and services
    \\ Delivering revenue growth
    \\ Putting the right people with the right skills and experience in place to lead quality change projects
    \\ Unleashing your capacity
    \\ Improving best practices and streamlining processes
    \\ Pro-active execution and compliance management
    \\ Reducing time-to-market for new products and services
    \\ Commitment to succeed



A high percentage of amazing ideas fail to deliver in organisations, due to legacy infrastructure and processes hindering capacity. I can help to plant a seed, break through the obstacles with knowledge and enthusiasm, apply best practices and unleash the power to make change and growth happen.



Here’s some examples of my previous Consulting projects: 

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Payments utility delivered for a Tier 1 European Bank involving implementation of a Faster Payments solution, as part of a long term payments infrastructure programme.


Visionary Consumer Payments Strategy developed for a major European Bank, looking at the impact of regulation driven innovation and alternative payments for their UK franchise, and their future role in the Payments landscape.


Agile product launch programme and migration plan for a UK Fintech company completed, launching a new app driven currency account incorporating cross border payments and a travel money card with 14 load currencies.


Exciting development of market selection recommendations and a country programme launch framework for mobile payments deployment for a Global Technology firm  


Evaluation of a target operating model for payments and transaction banking for a new African subsidiary of a major South African bank.


If you would prefer to contact me by phone, call 07545 602029

Michael Vallance
Head of Transaction Banking and Cash Management, Santander Corporate and Commercial Banking
T: +44 7545 602029