In 1996 while with Europay International, work began on the idea of merging the leather wallet into technology.
Devices such as the Nokia 9000 were already offering internet access on the telephone. The idea of multi-application and Multi-function smart cards had been tested and the concept was understood by the European consumer. The challenge, how does one address on an ID-1 card, competitive brands. Consumer research had determined –
Convergence of the myriad of cards into a three or four consumer managed smart cards made sense.
With mobile and the internet at our finger tips
We then explore the possibility of integrating Leather into technology. 
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