Meet the team
my community of experts
Built to grow with every new partner.
Mari-Anne Bayliss
PNS Solutions, Founder.
Principal Risk Solutions Partner
With over 20 years’ experience across fraud, payments, and authentication — including senior leadership roles at Visa and Cybersource — I specialise in passkeys, delegated authentication, identity-first checkout, PSD2/SCA, PSD3, PSR, and trust frameworks. I translate complex regulatory, scheme, and technical requirements into clear, commercially grounded strategies that reduce friction, strengthen trust, and accelerate digital transformation. Today, I work as an independent consultant, partnering with organisations who want to future-proof their authentication stack and deliver secure, seamless customer experiences.
Learn more about Mari-Anne here
Ken Ritchie MBA
Arcturus Consulting, Founder.
Principal transit solutions partner
Ken Ritchie is a senior business and technology executive with more than 25 years of experience across financial services and technology. Of those, 15 years have been focused specifically on payments strategy, commercialization, partnerships and product innovation across global markets.
His career includes leadership positions at Visa, Mastercard, CyberSource and other technology organizations where he has successfully driven product growth, market expansion, customer engagement and business transformation programs.
Learn more about Ken here