Mangala Martinus is managing director of Payments Consulting Network, a boutique management consulting firm focused on the payments industry in Asia-Pacific, and Merchant Pricing Hub, which supports Australian businesses lower the cost of payments. He has over 29 years’ experience in financial services and payments, specialising in developing innovative business strategies based on detailed market and financial analysis. Consulting clients include major financial institutions, card schemes, payments processors and technology providers. He is currently focused on assisting clients in the retail, hospitality and not-for-profit sectors optimise payments acceptance. He developed Merchant Pricing Hub’s Pricing Comparison service which helps small businesses reduce the cost of payments (in-store and online) by presenting competitive pricing from a range of payment service providers – a unique feature of this service is that all the firm’s earnings are donated to charity.