Melissa Fox

Senior Manager,

Payments Strategy and Innovation


Melissa Fox is a Senior Manager in the Payment Strategy & Innovation practice at First Annapolis.  She specializes in retail electronic payments, with a focus on enterprise payments strategy, debit and prepaid card strategy, and ATM strategy development.  She has worked with leading financial institutions, networks, payment processors, and other industry stakeholders, providing clients with trends analysis, competitive benchmarking, business case development, financial valuation, vendor selection support, and strategic opportunity assessments.

Melissa is the co-author of a number of research studies, including First Annapolis’s ongoing Mobile Payments Research Study, our quarterly Debit Issuer Benchmarking Study, The Study of Leading ATM Deployer Strategies, and Prepaid in the Wild, a 2014 primary research study conducted in partnership with BAI.


Payments Strategy
Debit/Prepaid Card Issuing
Mobile/Alternative Payments


Dartmouth College B.A. with a concentration in English Literature, cum laude

Professional Background

Joined First Annapolis in 2010
13 years of experience in financial services consulting
Dove Consulting, a division of Hitachi Consulting

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