Ian Clowes is the Co-Founder and CEO of Payment Cloud Technologies (PCT). As former Director of Abbey National Bank (now Santander) and Unisys, Ian has over 20 years’ leadership experience in the payments industry, including previous board-level appointments at BACS and APACS, amongst others. Ian is currently a Non-Executive Director of charity banking company Change Account Ltd and airline payments experts Travel Welfare Ltd. He is also an Advisory Board Member of the Emerging Payments Association, the UK’s leading trade body advancing payments innovation. Ian holds an MBA from the University of Warwick.