Martin Collings has had a varied career with periods working in Spain and the USA, but from 2012 to 2018 he was leading Mastercard Labs in Australia, a period of significant change within the payments industry. He has worked on mobile payments initiatives with clients in industries as diverse as cinema, education, retail and sporting stadia. Aside from engaging with clients, Mastercard Labs also drove the innovation agenda with Mastercard staff and Martin Collings has experience with multiple programs that created a greater culture of innovation amongst employees throughout the entire organisation. These days he is based at Fishburners within the Sydney Startup Hub helping a number of startups develop disruptive technology to take on incumbents in various industries. He firmly believes that you don’t need innovation in your job title in order to contribute to the innovation agenda of your own business.