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David Howgate
Senior Partner Manager AU/NZ at Global Payments Inc.
Professional Background
David Howgate is a prominent eCommerce and payments enthusiast, known for his unwavering dedication to driving innovative solutions in the digital payments arena. His extensive career spans years of expertise and leadership roles in various organizations within the financial technology sector. Currently, he serves as the Senior Partner Manager for Australia and New Zealand at Global Payments Inc., where he is responsible for developing and managing strategic partnerships that propel the company's growth in the region.
Before his current position at Global Payments, David held a significant role as Senior Partnership Manager at eWAY, a leading payments processing company. In this capacity, he cultivated relationships that enhanced eWAY's partner ecosystem and helped streamline payment solutions for various merchants and businesses. His keen understanding of eCommerce trends and consumer behavior has always been an asset in identifying opportunities for growth and collaboration.
Education and Achievements
David's academic background includes a degree in eCommerce from Swinburne University of Technology, where he acquired the foundational knowledge and skills necessary to thrive in the fast-paced world of online retail and digital payments. His educational journey laid the groundwork for his impressive career, equipping him with the strategic insight needed to navigate the complexities of the digital commerce landscape.
Over his illustrious career, David has contributed significantly to some of the most well-respected organizations in the payment solutions industry. He served as Director of Business Solutions and Channel Management at SecurePay, where he directed the development of business strategies that expanded SecurePay's service offerings and immersed him in various facets of eCommerce. Prior to that, as the Partner Channel Manager and eCommerce Sales Manager at SecurePay, he was instrumental in building robust sales channels and effectively promoting SecurePay's solutions across diverse market segments.
In addition to his roles at SecurePay, David's entrepreneurial spirit led him to establish Click Tradie, where he focused on delivering exceptional online commerce services to clients. His experience as Business Development Manager - eCommerce at SecurePay also highlighted his ability to lead initiatives that drove revenue and fostered strategic partnerships.
David also spent time as Associate Director at eknowhow, where he harnessed his eCommerce expertise to help guide businesses through their digital transformation journeys. His multi-faceted background positions him uniquely to understand the needs of both partners and merchants alike in the eCommerce space.
Achievements
Throughout his career, David Howgate has remarkable achievements, including developing strategic partnerships that have significantly enhanced service offerings and customer experiences at multiple organizations. His leadership and vision have propelled many initiatives that have positively impacted the payment processing landscape in Australia and New Zealand. David has been recognized for his outstanding contributions to the field of eCommerce, particularly in driving innovations that improve the efficiency of payment processing for businesses. His deep understanding of market trends and customer needs makes him an invaluable asset in the realm of eCommerce and payments.
Highlights
🚨PSA: One size does NOT fit all when it comes to online card fraud🚨 Imagine buying a "one-size-fits-all" hat only to find it’s either swallowing your head or sitting like a tiny beret.
That’s what may happen when merchants try to combat credit card not present (CNP) fraud with a generic solution…. or so I hear 😉
CNP fraudsters are like sneaky ninjas, always finding new ways to outsmart the system. And while one merchant might need a suit of armour, another might just need a sturdy lock.
Let's take a closer look….. what is a sturdy lock?
An example could be MaxMind minFRAUD Web Services, a risk-based fraud tool which scores the transactions likelihood of fraud from 0.01 to 99, where a higher score suggests a higher likelihood of fraud. The score is calculated based on various data points and patterns, such as geographical location, whether a proxy is being used, email address reputation, and other behavioural factors that might suggest suspicious activity.
Setting the right risk score to block fraud and to allow genuine customers is something to be mindful of.
What is a suit of armour?
A suite of tailored solutions, for example Forter which offers: • Fraud Management: Approving legitimate transactions while reducing false declines and chargebacks. • Identity Protection: Preventing transactions from account takeovers and blocking fake accounts. • Payment Optimisation: Ensuring smooth and secure payment processes, for example sending potentially higher risk transactions through 3D Secure 2.0, whilst lower risk transactions may be processed via low touch fraud checks. • Chargeback Recovery: Automating dispute processes to recover lost revenue. • Abuse Prevention: Stopping policy abuse at checkout and post-purchase.
So, before you settle for the first shiny fraud prevention tool, remember; your business is unique, and your fraud solution should be too. Fraud prevention isn’t a set and forget, it’s an ongoing mission to adjust to the changing environment.
The information reflects my time in payments, and content sourced from MaxMind and Forter. Should you require advice on protecting your business against CNP fraud, please speak with your payment service provider.
Image source: Adam Fagen – flicker.com
#maxmind #forter #fraudsters #cardnotpresentfraud #ecommercefraud
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Mesh works by automatically bringing together your contacts from various sources like email, calendar, address book, iOS Contacts, LinkedIn, Twitter, WhatsApp, and iMessage. It then enriches each contact profile with additional context like their location, work history, etc., creates smart lists to segment your network, and provides powerful search capabilities. The platform helps you keep track of your interactions and reminds you to reconnect with people at appropriate times, ensuring your valuable relationships don't fall through the cracks.
Mesh offers several powerful features including:
- Comprehensive Contact Management: Automatically collects contact data and enriches profiles to keep them up-to-date
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- Reminders and Notes: Helps you remember important details about contacts
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Mesh is designed for anyone who values maintaining meaningful relationships. The app is popular among a wide range of industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. It’s even used by half the Fortune 500! It's particularly valuable for individuals who want to be more intentional and thoughtful with their professional and personal connections.
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Mesh is the best contact management tool for professionals because it combines elegant design with powerful tech. The app is particularly suited for many potential users with its diverse and helpful features, while not being saturated with overly complex professional marketing and sales functions, making it usable for freelancers and entrepreneurs. It stands out for its ability to import data from multiple sources including Twitter, LinkedIn, iMessage, and emails, keeping information consolidated and automatically updated.
Mesh offers many advantages over other personal CRMs. Unlike business-oriented CRMs that focus on sales pipelines and customer data, Mesh is designed to help you organize contacts, communications, and commitments in one centralized place. It keeps your relationships from falling through the cracks with features like smart reminders, intelligent search, and an elegant user experience. Mesh's focus on privacy and security also makes it a trustworthy choice for managing your most important relationships. Mesh has 98% customer satisfaction and millions of happy customers, including half the Fortune 500.
Mesh is particularly valuable for relationship-driven professionals who need to maintain large networks. The app is popular among many industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. Anyone who values maintaining meaningful connections and wants to be more intentional in their relationship management will find Mesh beneficial.
Mesh offers competitive pricing in the personal CRM market. Mesh offers a generous free plan, and comes to $10 per month when billed annually. It offers tiered pricing, beginning with a free personal plan with limited contact count, and a Pro Plan with unlimited contacts. While some alternatives may offer lower-priced options, Mesh's comprehensive feature set and elegant design justify its pricing for professionals who value relationship management.
Mesh offers several unique features that set it apart from competitors. Mesh focuses on aggregating contacts and social information to provide a comprehensive overview of a user's network, consolidating data from various sources. Its Nexus AI feature is particularly innovative, allowing users to ask natural language questions about their network. Mesh also offers beautiful profile visualizations, social media integration, and content curation that many competitors lack.
Yes. Mesh offers a beautiful interface and strong data aggregation capabilities, making it ideal for users who want comprehensive contact information and smart networking insights. Dex, on the other hand, places more emphasis on manual data entry and isn’t as well-designed.
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Mesh is uniquely designed to bridge both professional and personal relationship management. Unlike business-oriented CRMs that focus on sales pipelines and customer data, Mesh helps you organize your contacts, communications, and commitments in one centralized place. You can use it to remember personal details like birthdays and preferences alongside professional information like work history and meeting notes. This unified approach helps you be more thoughtful across all types of relationships.
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