David Lunt

About

I am a senior payments and open ticketing specialist with over 20 years’ experience across public transport, financial services and regulated payment environments. My work has focused on the design, delivery and operation of complex payment systems, particularly open-loop and account-based payments, where governance, compliance, operational readiness and stakeholder coordination are critical to success. I have worked with transport authorities, global card schemes and technology providers on large-scale payment and ticketing initiatives, supporting secure, resilient and customer-focused outcomes across highly regulated environments. Alongside delivery roles, I maintain Payment Matters, a research and writing initiative where I explore how payment systems operate in practice, including cost drivers, scheme change, governance and emerging trends. This work is editorial and insight-led, intended to support shared understanding. I also have a strong professional interest in AI and how data analysis and automation can improve transparency and decision-making in payments, particularly within complex, multi-stakeholder systems.

Experience

Education