Ray Brash is the CEO and Chairman of PPS, formerly Prepay Solutions. He has amassed over 20 years’ experience in retail, e-commerce, finance, and information services. Before joining PPS in 2004, Ray was finance director at The Economist, and previously held leadership roles at United News & Media, Telstar Electronic Studios, Kingfisher and PwC. PPS has a successful track record of delivering programmes that are innovative but also deliver scale to leading fintechs (such as Monese, Tide and Coconut). Many players can do one or the other, but few do both, and this is therefore a true strength of PPS, providing reliable services to challenger banks and supporting its customers’ day-to-day financial needs. In partnership with parent company, Edenred, PPS drives the migration of mobile payments technology and is the beating heart of the digital payments industry in a wealth of sectors including banking, retail, mobile and travel. The company has served over 210 client programmes across 30 + countries around the world, processed in excess of 2 billion transactions worth the total value of $36 billion across fintech, corporate payments and retail portfolio and is Europe’s biggest Apple Pay issuer. Ray joins me on the podcast to share how PPS has launched the first-ever e-money wallet to offer credit with koto - providing two different ways to select and repay credit based on the users immediate need. We also discuss how supported retailers such as Sainsburys during COVID-19 with launches of Volunteer Shopping Cards, enabling friends and helpers to shop on behalf of the elderly, disabled and vulnerable who were unable to shop for themselves.