John Russell is an independent payments industry consultant with 30-years’ experience. He provides advice and guidance to both Central Banks and Retail Banks worldwide. He currently working with Bank Dhofar in Oman and recently worked with the Central Banks of Palestine, Kyrgyzstan and Mongolia to enhance their National Payment Systems, laws and regulations. He is also working in Tanzania, Rwanda and Uganda on their National Mobile Financial Services projects, bringing together Mobile Network Operators and Banks to expand the reach of electronic payment services to the un-banked. Previous assignments include working with the Central Banks of Bangladesh and Oman and being part of the management team that established Alinma Bank in Saudi Arabia.