Team

Dipl. Volkswirt Dr. Hugo Godschalk General Manager and partner of PaySys Consultancy GmbH hgodschalk@paysys.de since 1993 General Manager and partner of PaySys Consultancy GmbH 1990 – 1993 Ordina (Deutschland) GmbH (Senior consultant mainly for payment systems and card business) 1984 – 1990 GZS Gesellschaft für Zahlungssysteme mbH (last as head of the business administration department of controlling) 1982 Doctorate about monetary problems of computer money 1979 – 1984 Scientific research and tutor at the Institute for money and currency at the University of Münster, with main topics in the area of cashless payment systems 1974 – 1979 Studies of business and finance at the University of Münster/Germany

Dr. Malte Krüger Senior Consultant mkrueger@paysys.de since 2011 Professor at the University of Aschaffenburg 2009 – 2010 Temporary professor at the University of Applied Science Frankfurt am Main 2008 – 2010 Project partner at the E-Finance Lab of the University of Frankfurt 2004 – 2009 Temporary ‚Money and Banking‘ chair at the University of Karlsruhe (TH) since 2001 Consultant at PaySys Consultancy GmbH since 1997 Free lance consultant for PaySys Consultancy GmbH 2000 – 2001 Researcher at the European Commission, IPTS, Seville in an e-payments project 1999 – 2000 Lecturer at the Department of Economics & Finance, University of Durham 1997 – 1999 Lecturer and Research Fellow at the University of Western Ontario, London/Ontario 1996 – 1997 Scholarship of the Friedrich Flick Förderungsstiftung 1994 – 1995 Visiting researcher at the Bank of Spain, Madrid 1994 Doktorate in economics at the Universität Köln 1990 – 1994 Full time research assistant at the Universität Köln 1984 – 1989 Studies of history and economics in Saarbrücken and Köln

Jürgen Wedekind Senior-Consultant jwedekind@paysys.de since 2001 Free-lance consultant, functional and technical consultancy in project management in debit and credit cards, issuing and acquiring processing, self-service terminals (expecially also cash-recycler) and branch bank techniques, payments (e. g. SEPA) and security (e. g. PCI-DSS) 1988 – 2001 GZS Gesellschaft für Zahlungssysteme mbH, Frankfurt Software developer in the issuing and aquiring sector. Since 1995 head of area application development acquiring systems 1985 – 1988 Study at the „Fachhochschule für Datenverarbeitung und Organisation“ (professional school for data processing and organisation) in Heidelberg, graduate in business administration/data processing