About the analysts
James Goodman leads coverage of the European Software, Payments and Fintech sector at Barclays. James and team focus on thematic research across areas such as the digitalisation of payments and innovation in manufacturing technology. James joined Barclays in 2013, having previously spent three years covering UK technology at Investec. Prior to that, James qualified as a Chartered Accountant with PwC. He holds a first class degree in Economics from the University of Exeter.
Ramsey El-Assal is a Director and Equity Research analyst covering the Payments, Processors & IT Services sector with a decade of sell-side experience. Ramsey was at Jefferies and UBS prior to Barclays. Before moving to sell-side research, Ramsey worked in the payments industry, and was a Managing Consultant in Mastercard’s in-house professional services group, Advisors. Ramsey came to Mastercard from Coinstar e-Payments, where he was Vice President of Operations, and prior to that co-founded a start-up prepaid card transaction processor. Ramsey has been involved in the Payments industry for nearly two decades as both an industry participant and analyst. He has a B.A. in Music from the University of California, Riverside, and an MFA and Ph.D. in Music History from Princeton University.