Nicola Henshaw , Senior Consultant, has over 14 years professional and IT experience and has worked for PSE Consulting for 11 years. During her working life she has been employed as a programmer, systems analyst, trainer and financial modeler. As a Cambridge Mathematics Graduate she has strong numerate and PC-based financial modeling skills. She has developed many business case and evaluation models for payments and processing related products and services. These have included a wide range of interchange models for card, stored value and ACH payment instruments; business case models for credit/debit card and account products; models for merchant physical and virtual world acquisition costing and pricing; models relating to ATM and EftPos card processing and switching entities; many models to evaluate vendor hardware and software proposals. She has also constructed models to evaluate businesses as part of the M&A bidding process.