Norman Frankel
Chief Executive, Mi-Pay
Speaker Biographical Details


Norman Frankel is a world authority in mobile payments and e-Commerce with over 12 years industry experience in banking, mobile payments, consultancy, systems integration and payment operations.  He has provided advice to companies across Europe, Asia, Far East and Australasia.  His team have written the m-Payment strategies for Telefonica International, MasterCard International, Orange Group, KPN and T-Mobile International and deployed working payment solutions for Vodafone and other operators.

He is founder and Chief Executive of Mi-Pay Ltd, a company specialising in adding value to mobile initiated payment transactions, particularly in the area of pre-paid top-up and remittances. Mi-Pay works with mobile operators, money transfer businesses and banks to reduce pre-pay top-up costs, provide improved customer experiences and innovative mobile payment programmes such as remittances.   Customers include in Europe, Operators in the Vodafone Group; KPN Telfort, Tesco Mobile, Carphone Warehouse and in the Middle East, Du, Saraf Mobile and Zain and customers in Africa.    Mi-Pay is judged both by client numbers and volume & value of top-up transactions processed the largest independent direct channel top-up service provider in Europe.  The company is involved in many exciting mobile initiated payment innovations, including being a lead vendor and advisor to the GSMA Mobile Money Vendors Association for Remittance and Micro-Finance mobile payments, advisor to Clarions Mobile Money Transfer events and recently advisor to IAMTN’s remittance education programme.

Prior to this Norman spent 5 years as Group Mobile and e-Commerce Director for Logica Plc, the company that provided the software powering over 70% of the worlds SMS text messages.  His role at Logica encompassed  Wireless Internet and Payment Solutions and his team provided advice to banks and mobile operators from Japan through to Europe, which included helping to establish SimPay, which was intended to be a global payment scheme for mobile operators.   

Prior to Logica, Norman was Head of New Media Banking at NatWest, now Royal Bank of Scotland and one of the worlds’ largest banks, particularly in the area of electronic payments.  At NatWest, Norman developed and implemented the banks strategy for point of sale and ATM     pre-paid top-up and delivery of financial services via new media and mobile devices.   Norman spent over 10 years in Card Services delivering technology led innovations in the Customer Relationship Management, E-commerce and M-Commerce area.  

Norman has a postgraduate qualification in International Marketing, International Finance and Strategic Management and holds the Chartered Institute of Marketing diploma.