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Global Banking and Finance Review is an online platform offering news, analysis, and opinion on the latest trends, developments, and innovations in the banking and finance industry worldwide. The platform covers a diverse range of topics, including banking, insurance, investment, wealth management, fintech, and regulatory issues. The website publishes news, press releases, opinion and advertorials on various financial organizations, products and services which are commissioned from various Companies, Organizations, PR agencies, Bloggers etc. These commissioned articles are commercial in nature. This is not to be considered as financial advice and should be considered only for information purposes. It does not reflect the views or opinion of our website and is not to be considered an endorsement or a recommendation. We cannot guarantee the accuracy or applicability of any information provided with respect to your individual or personal circumstances. Please seek Professional advice from a qualified professional before making any financial decisions. We link to various third-party websites, affiliate sales networks, and to our advertising partners websites. When you view or click on certain links available on our articles, our partners may compensate us for displaying the content to you or make a purchase or fill a form. This will not incur any additional charges to you. To make things simpler for you to identity or distinguish advertised or sponsored articles or links, you may consider all articles or links hosted on our site as a commercial article placement. We will not be responsible for any loss you may suffer as a result of any omission or inaccuracy on the website. .



Ian Clowes and Frank Lambe

Founded in 2008 by Frank Lambe and Ian Clowes, Payment Card Technologies (PCT) has established itself as a leading provider of innovative payment products via cards, mobile and virtual payment, working with some of the world’s biggest brands. Based in London, PCT is built on over 45 years experience in the payments industry. In 2012 PCT became a member of the Lenlyn Group of companies, which also comprises Raphaels Bank and ICE – International Currency Exchange, enabling the business to leverage its expertise further within the financial services sector.

Ian Clowes and Frank Lambe

Ian Clowes and Frank Lambe

PCT has built a sound reputation for its ability to offer flexible solutions ranging from ‘off the shelf’ products suitable for small scale operations, through to fully branded and bespoke cards for organisations requiring a tailored solution. As one of the leading card programme managers in the UK & Europe, PCT processes over £300m per year globally with a focus on providing fully integrated payment solutions and developing strong strategic partner relationships.

As preferred suppliers to MasterCard and Visa, PCT boasts a client portfolio with the likes of easyJet, FairFX and Angry Birds. A partnership between Travel Welfare and PCT saw the creation of a first for the travel industry, a prepaid card that airlines can issue to delayed passengers to buy refreshments in place of traditional paper vouchers.

Alternatives to major bank accounts are picking up momentum and a new transactional account designed for people who are missing out on the benefits of banking is being supported by PCT. The Change Account is an inclusive proposition that endeavours to change financial behaviour in the United Kingdom, targeted at those seeking an alternative to existing banking products. It is innovative solutions like these that are cementing PCT’s position as an industry leader.

With over 20 major consumer programmes and in excess of 200 corporate schemes, PCT’s success stems from years of industry experience and knowledge combined with a creative and agile approach that keeps it focused on delivery through every stage of the process.

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