Grew up in small village in Warwickshire, Attended Bedales School. Became pianist and met Annette while working in Corfu - married soon after and now have four children. Took Economics degree while working at BUPA. Became Management Consultant for 15 years (PwC, E&Y, Capgemini, MarketBridge). Launched Explundish in 2008 to provide specialised consulting to the payments industry.