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MWE Consulting was established by Mike Ebstein in October 1999 to address a need for specialist advice in payment card products. Credit cards had enjoyed spectacular growth in the latter part of the 1990s but there was an absence of experienced independent card executives in the region able to assist with strategic and tactical cards advice.

Based on his 11 years as General Manager Marketing at ANZ Global Cards Division in Australia, Mike Ebstein had obtained extensive experience in initially assisting with the turn-around of a highly unprofitable cards business to be followed by a substantial lift in market share and accompanying increase in profitability.

In his time helping to position ANZ Global Cards as a major contributor to ANZ's overall performance, Mike Ebstein was instrumental in developing a number of major co-branded card products, including the Telstra Visa and Qantas Telstra Visa cards. ANZ also introduced the first purchasing card in Australia, developed the largest Visa commercial card portfolio outside of the USA, lauched the very successful Fast Track merchant data capture terminals and relaunched a revitalised Premium Card product.

In addition to his responsibilities in Australia, Mike Ebstein was also in charge of ANZ's card business in New Zealand and assisted the ANZ International Cards team with the expansion of the cards businesses in India, the Middle East, Indonesia and the Pacific Islands. Mike was also a member of Visa's Asia-Pacific Product Advisers Group and represented them on Visa's International Product Advisers Group.

MWE Consulting has completed a wide variety of credit and debit card assignments, including product and distribution reviews, 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.

Clients have included Virgin Money, Westpac, ING Direct, BNZ, National Bank, Cuscal, Visa, eftpos Australia, American Express, Qantas, Coles and Members Equity