Charmaine brings a unique perspective, having contributed to the global development of digital money through the world’s leading money transfer company Western Union, a global bank (Royal Bank of Scotland), a top tier mobile operator (Orange FT), LogicaCMG (the pioneer in SMS) and Wipro a leading IT provider.
Charmaine has over 25 years of experience of creating and delivering solutions to market. Her skills and experience are at the intersection of mobile, banking and payments and across functions including market development, business development, marketing, sales, product development, and technical architecture and modelling.
Charmaine’s area of expertise is in mapping opportunities in digital money and providing consulting services leveraging Shift Thought’s unique Digital Money knowledgebase and technologies. Charmaine leads the Digital Money Practice of Shift Thought, which helps companies choose appropriate markets, partners and products for successfully launching remittance and payments products.
Shift Thought specialises in knowledge relating to Digital Money, monitoring market developments in this rapidly growing industry across 32 key services and 200+ country markets. Shift Thought has developed the Digital Money SAGE technology to analyse and share knowledge across multiple perspectives including digital money market opportunities, initiatives, technologies, players and regulatory environments. Services analysed include Innovations in Retail Payment Systems, Banking, Payments and Cash Networks.
Shift Thought provides regional reports, country entry strategy and advice on business development, strategic partnerships, market development and product development. Consulting services and advice is based on a unique framework of the Digital Money ecosystem providing current and contextual knowledge of digital wallets, players & partnerships, products & services, regulatory environment, consumer markets, pricing, and business models.