The Initiatives Group

Who we are

Experienced. Focussed. Determined.

Our history

The consulting team at The Initiatives Group has been providing advice to participants in the payments markets across Asia-Pacific since the mid 1990’s under a variety of different service names. Issuers, acquirers, third-party processors, technology providers, associations and others have benefited from our advice and recommendations.  Our team has helped solve many of the payments industry’s most significant issues, such as payments strategies, customer profitability and retention, credit and fraud risk, leveraging new technologies, and assessing new market and product opportunities.

In the fast-changing world of payments, we invest significant time in keeping up with new developments around the globe, and use our deep experience and knowledge of markets & past events to help assess where, when and how these new ideas might gain traction.


Let's talk

The first step towards building a healthy relationship is a simple conversation. Contact up to discuss your business problems or opportunities. We'll follow up with an outline proposal, and we can progress building your business from there. Let's talk.


Our team


Managing Director

Lance Blockley

Lance Blockley is Managing Director of The Initiatives Group, a consulting firm specialising in payments. He has advised issuers, acquirers, third-party processors, technology providers and payment associations in addressing many of the financial sector’s most significant issues. He has over 35 years experience in senior management and consulting in the UK, USA, Asia and Australia.
Lance has led the consulting team on a number of industry-wide assignments, including the successful removal of signature (PIN@POS) on card payments in Australia in August 2014, the culmination of two and a half years work across multiple stakeholder groups.
Prior to establishing the firm in 2013, Lance ran global payments specialist Edgar, Dunn & Company in Asia-Pacific for over 10 years, also acting for a term as global Managing Director.
Lance holds B.A. and M.A. degrees in Natural Sciences from Cambridge University, England and an M.B.A. from IMD, Switzerland. He is a Fellow of both the Australian Institute of Company Directors and the Chartered Management Institute (UK).



Director - Consulting

David Ojerholm

David Ojerholm is Director - Consulting at The Initiatives Group. He has over 30 years’ experience in Financial Services through advising, implementing and managing consumer and merchant loyalty, preference and payment programs on behalf of issuers, acquirers, international and domestic payment schemes, airlines and retailers.
In his career, he has been responsible for businesses in China, Hong Kong, Taiwan, Japan and Australia, as well as numerous ground breaking initiatives in the payment card loyalty space. His focus is always on actionable outcomes that make a difference for clients and partners. 
David has a Bachelor of Commerce (Marketing) from University of NSW, an MBA from the Australian Graduate School of Management and is a Graduate Member of the Australian Institute of Company Directors.




Ian Jamieson

Ian Jamieson is a Director and an Associate Consultant at The Initiatives Group. He has over 35 years experience in senior management and consulting in the USA, Asia and Australia. 
Ian has provided strategic marketing and business advice to the senior management of clients in diverse industries including financial services, IT & telecommunications. Clients have included large Australian based corporations, many Fortune 500 companies, and leading businesses in Asian markets such as Hong Kong, Singapore, Thailand and Korea.
Ian’s forte is understanding how the principles of marketing can be applied to a company’s overall business strategy, building competitive advantage and sustainable superior financial results.
Ian has a Bachelor of Commerce degree with a major in Marketing from the University of New South Wales (Sydney). He is a Fellow of the Australian Marketing Institute and a Certified Practising Marketer (CPM). Ian has also attended a number of Senior Executive post graduate courses, including two at the leading graduate management school, IMD, in Lausanne, Switzerland.


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Associate Director

Michael Ebstein

Michael Ebstein is an Associate Director of The Initiatives Group. Mike is also the principal of MWE Consulting, which has completed a wide variety of credit and debit card assignments, including product and distribution review, card market entry strategies, portfolio acquisition and divestment strategies, assistance and input with strategic planning, product development planning, card workshops, business modelling, market research, reward program reviews, expert witness and market analysis.
The monthly MWE Card Reports have become recognised as "the" source for key industry metrics, analysis and comments in Australia and New Zealand. 
Prior to founding MWE Consulting in 1999, he had 11 years as General Manager marketing at ANZ Global Cards Division of ANZ Bank. 

Senior Consultant

Mitchell Hu

Mitchell Hu is a Senior Consultant at The Initiatives Group with over six years' experience in financial services. As an experienced payment professional, he has worked with issuers, acquirers, merchants, payment schemes, technology providers and industry bodies on strategy, pricing and product development. 
Prior to joining the firm in 2013, Mitchell worked as a Senior Research Analyst providing business intelligence and benchmarking for banks and other financial institutions.
Mitchell holds a Bachelor of Commerce from the University of New South Wales and a Graduate Diploma in Quantitative Finance from the University of Technology Sydney.  


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Edouard Mouy

Edouard Mouy is a Consultant at The Initiatives Group with a background in government policy and contract management. Edouard has worked with issuers, merchants, payment schemes, technology providers and government on strategy and product development.
Prior joining the firm in 2018, Edouard was a Policy Officer for the Australian Government, where he was involved in welfare payment policy focusing on innovation in the payments sector to improve the delivery of government payments.
Edouard holds a B.A. in International Studies and Commercial Photography from RMIT University.