Scott is a retired partner of Glenbrook Partners, a payments industry strategy consulting firm. At Glenbrook, he provided strategic consulting to a wide range of payments industry clients. Scott founded Glenbrook's PaymentsNews.com - the leading payments industry news blog - and frequently taught in Glenbrook's Payments Boot Camp program. With Carol Coye Benson and Russ Jones, he co-authored "Payments Systems in the U.S".

Scott is an avid street photographer - and can frequently be found walking the streets of San Francisco pursuing his passion. Follow Scott on Instagram: http://instagram.com/sjl

Prior to co-founding Glenbrook, Scott was Group Executive Vice President at First Data Merchant Services where he was responsible for product management, systems development and operations for the world's largest merchant acquiring enterprise. As Group Executive Vice President at Visa International, Scott led the development of Visa's global payments strategies, including Visa's research and development initiatives related to card payments, ecommerce payments and advanced card technologies. Scott's early career was with IBM where he held a series of technical management and product planning positions over the course of seventeen years.

Carol Coye Benson is a founding partner of Glenbrook Partners, a payments industry strategy consulting firm. Carol’s work is concentrated on mobile payments in the U.S. market, business-to-business payments, and bill payments, with a focus on product strategy around consumer and business adoption of new payments methods. Carol has more than 25 years’ experience in financial services product, marketing, and strategy development with leading financial services providers.

Carol manages Glenbrook Partners' Payments Essentials program, which provides industry education to payments professionals. The program includes the Glenbrook Payments Boot Camp, private payments workshops, payments webinars, and books.

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, she 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.