The founder and owner of Strategic Planning and Marketing (www.roystephenson.co.uk), Roy has more than 25 years in the payment card industry. While at American Express Roy launched its highly successful global commercial card business and currently advises both associations and issuers on developing business, corporate and fleet card programs. As consultant to MasterCard, Visa, Diners Club and AmEx, he works with issuers worldwide on Personal, Business, and Corporate card assignments, strategy reviews, profitability improvement, and strengthening their relationships with retail banking networks. Loyalty initiatives have included feasibility studies and business start-ups for Air Miles coalition programs and audits of rewards programs for issuers across the globe. He also advises airlines on their FF programs. Roy is the author of Marketing Planning for Financial Services (Gower Publishing). He has an MA in Management Studies and is a Director of Pepper Consultants Ltd.