Heidi A. Liebenguth

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, recently conducting an evaluation on the impact of Apple Pay on issuing banks and accepting retailers.  She is responsible for developing Crone Consulting LLC's "Five Mobile Trigger Points."

Heidi is a subject matter expert on all facets of customer self-service, self-marketing and loyalty.  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.  

She has conducted extensive research on Internet Bill Presentment & Payment, online banking, emerging/alternative payments, mobile marketing and customer self-service for financial institutions and retailers.

Heidi is a leader of the NACHA Payments Alliance Mobile Wallet Team, a cross-industry effort by 100+ contributors representing every facet of the payments ecosystem to define interoperability for Mobile Wallets between 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. 


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.