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About Polar Moment

Our highly experienced consultants deliver technical services and industry consultancy to a broad range of organisations. We are expert in the leading payment card systems used by tier 1 and tier 2 retailers, acquiring banks and payment card processors. We deliver a range of services to help our clients to design, develop, implement, test, operate and support business-critical payment platforms. The Polar Moment team is also trusted to provide impartial payment card industry consultancy, including support for merger & acquisition activity with market and company assessments and technical due diligence.

Our Management Team

David has over 20 years of executive experience working within Fidelity Investments and HSBC. He has run, reshaped and led major businesses in the UK and the Middle and Far East. He has practical experience in acquisitions, mergers, operational and change management.

Tim has over 25 years of experience in development, operations, consultancy and management. He founded Retail Logic in 1992 and led it to become the clear leader in UK EFT systems market during the 13 years he was there. Tim also personally designed and led the development of the card authorisation and settlement systems used by Tesco and other leading retailers in the UK.

John has over 20 years of experience at the forefront of the payments industry. Working with NatWest/RBS, John managed an industry-leading cross-border implementation and ATM service delivery programme. He also led the team that introduced Chip and PIN to over 120,000 points of sale across the UK.