Heidi A. Liebenguth is Managing Partner and Research Director at Crone Consulting, LLC, helping financial institutions, billers, merchants, payment networks, processors, start-ups and investors transform payments from a cost of business to revenue-producing new lines of business.

• Heidi has direct and recent experience assisting retailers, banks, and major payment networks define and implement their mobile banking, mobile payment and customer self-service strategies.  She has executed RFPs and performed exhaustive due diligence research on over 60 different companies offering various forms of mobile financial and retailing services, payments and mobile self-marketing.  Recently, she has been conducting extensive market validation meetings with major retailers, financial institutions, data processors and technology providers. 
• Heidi is a subject matter expert on all facets of customer self-service, self-marketing and loyalty.  She has conducted extensive research on Internet Bill Presentment & Payment, online banking, emerging/alternative payments and other data processing services provided to financial institutions and retailers.
• Prior to joining Crone Consulting, Heidi led her own firm providing advertising, public relations and communications strategy for business, non-profits and education.  Her specialties include preparing research reports, independent articles, whitepapers, advertising and public relations campaigns.
• Previously, Heidi was Advertising Manager at the American Broadcasting Company’s KABC-TV, Los Angeles, responsible for advertising and public relations. 
• She holds a Master in Business Administration degree, beta gamma sigma, and a Bachelor of Arts degree in Journalism, magna cum laude, from the University of Southern California.