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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 t