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Case Study

American Express

Launch of Apple Pay on the Amex Network in US.




The Assignment



After many successful assignments with American Express from 2010 through to 2014, Consulting Smart was appointed to oversee the development and commercial proposition of the mobile applet (ExpressPay) to support Apple Pay on the American Express network in the US market.


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Our Involvement

Our Principle Mobile Payments Consultant partnered with two other industry experts already retained by Amex to put together the team to build the technical capability and also prepare the organisation for this new, innovative and groundbreaking payment method. Consulting Smart led the work to align and integrate the new processes with existing capabilities.




Our Approach

Our consultant conducted a full analysis of the Apple requirements and mapped them across the Amex capabilities to identify synergies and gaps. Acting as the Amex “point person” for Apple our consultant conducted the work to build the new processes for Apple Pay and also was an advisor to Apple on EMV and PCI payment specifications to gain buy-in on alternative approaches to some proposed by Apple.

The consultant also was able to design value-added products and features like LBS and loyalty partnerships for American Express.


Our Clients Results

American Express delivered on time to a very aggressive target and as a result, gained a very strong reputation with Apple and throughout the fintech industry within the US. American Express also won numerous awards for its end-to-end solution. Apple Pay launched on time in September 2014 and has since become the most successful digital wallet globally.




Skills & Experience Used

  • · Strategic analysis
  • · Commercial awareness
  • · Stakeholder Management
  • · Thought leadership
  • · Industry expertise
  • · Product Development
  • · Senior Stakeholder Management


“Consulting Smart were a vital asset to delivery for the foundational development and integration of Amex technologies to deploy NFC including the very first American Express payment applet and payment network specification. Steve Beecroft of Consulting Smart Ltd led the network, applet and specification development programme end to end and he and his team were the key driver in our success.”



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