About Us

Maria T. Arminio

President and Chief Executive Officer

Maria Arminio specializes in strategic and business planning, market assessments, competitive analysis, and the evaluation of payment systems, products, services and technologies.  During her 30-year career, she has conducted research and consulted extensively for the financial and retail industries in such areas as credit and POS debit programs, ATM networks, payment switching software applications, prepaid and smart cards, online banking and bill presentment, expedited payments, mobile banking and mobile payments, remote deposit capture, retail operations, fraud and risk management, electronic benefits transfer and e-commerce solutions. She has also prepared market and product evaluations through the use of advanced techniques including systems analyses and futures research. 

 

 

 

Roger W. Applewhite

Technology Strategist

Roger Applewhite specializes in adapting and applying technology to all aspects of payments and banking. During his 20-year career, he has served over 50 organizations in various capacities from consulting analyst to managing director. Under contract, he led the formation of a new electronic bill payment and presentment company, was director of a joint venture developing online debit for the Internet, and brought to market the financial industry’s first outsourced service management product. He is most often retained to create strategy for organizations where technology, whether old or new, is a defining factor. Currently, Mr. Applewhite’s clients have asked to him to focus on mobile commerce and card processing.

 

Paul Reimer

Technology and Operations Specialist

Paul Reimer specializes in payments systems design and development, transaction processing technologies, and project management.  He has extensive experience in credit and debit card processing systems, and in developing product requirements and implementing electronic payments technology products for credit and debit cards, check authorization, money order, EBT, and ACH systems.  This includes a comprehensive background in managing large scale projects through implementation including the performance of a benchmarking against world-class standards on the merchant acquiring operations of major bank in Mexico, execution of a market sizing studies of the fleet fueling industry for a major international card association, and several new card-processing systems selection and implementation programs for major international service providers.  Paul is also a certified TG3 debit PIN and Key Management auditor, having conducted numerous audits for POS card acceptance organizations.

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Payment Strategy • Business Planning • Industry Assessment

We know the way.

Avenue B Consulting, Inc. is a management consulting firm focusing on payment systems products, services and technologies.  The company offers a variety of services tailored to the payment system environment including business and strategic planning, new product development, product market validation, business and IT assessments, and competitive analyses.

Our difference is a unique combination of business acumen and bench strength in systems and technology.