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Payments Systems in the U.S.


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About the Author

Carol Coye Benson's practice at Glenbrook focuses on mobile payments, national infrastructures, and emerging technologies for financial services. Before founding Glenbrook Partners, Carol was a managing director of the Global Institutional Services division of Deutsche Bank, leading marketing, client online services, and Internet development. At Visa International, she led groups working on eCommerce card security, database marketing, and technology investments. Also with Visa International, Carol founded and managed a European product development office, where she managed a series of eCommerce and chip card projects for banks across Europe. Earlier, Carol spent twelve years with Citibank, where she managed the development and market introduction of new commercial payments products. Carol began her career as a corporate lending officer for large multinationals at both Bank of America and Citibank. Scott Loftesness works with major clients as well as financial services startups and investors, helping with the refinement of business models, approaches to technical design, and go-to-market strategies. With over 45 years of experience in information technology - as a technologist, senior executive, board member, venture investor, consultant, advisor, and mentor - Scott brings a unique business and technology perspective to his work with Glenbrook. Earlier in his career, Scott was group executive vice president at First Data Merchant Services. Scott also served as group executive vice president at Visa International, where he led the development of Visa's global payment systems strategies, including Visa's research and development initiatives related to card payments, eCommerce payments and advanced card technologies. Scott began his career as a systems engineer with IBM in San Francisco. Russ Jones offers clients over 30 years of experience as an executive, analyst, and consultant. He is an industry pioneer in the commercial use of Internet technologies, and brings a strong background in payments industry analysis, strategy development, and product conceptualization. With Glenbrook, Russ currently works with clients in development of global payments strategies and fintech opportunity assessment. Before joining Glenbrook, Russ was a general partner with The NuVantage Group, an innovation-to-market consulting group, where his clients included CommerceNet and the Financial Services Technology Consortium. Earlier, Russ served as director of emerging technologies for Digital Equipment's corporate research group in Palo Alto. In addition to his work as a consultant, Russ manages Glenbrook's Payments Boot Camp program.


"Without question, the best overview of the payments industry. Essential for payments professionals." - Bill Harris, CEO, Personal Capital

"Glenbrook's deep knowledge of payments comes through loud-and-clear and easy-to-read. This is the go-to resource for understanding payments systems." - Susan Ehrlich, CFO, Simple & Board Member, BECU

"A clear and concise explanation of the payments industry - useful for all payments professionals" - Michael Manchisi, President, Mastercard Payment Transaction Services, Mastercard Worldwide

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