Roy Vella is a mobile financial services expert and independent adviser/consultant to players large (such as Vodafone and the GSMA) and small (a number of startups) in the space. Prior to offering his services-at-large, Mr. Vella was at RBS where he developed the overall strategy and hired a team of 30 to implement the global bank's mobile efforts including the development of new products and services, stored value functionality, mobile enabled payments, customer acquisition and the management of joint venture partners. Previously to RBS he spent five years with PayPal starting out as Director of Business Development in the US Merchant Services group, and finally as Head of Mobile Payments leading the mobile payments initiative in Europe. ^[1]