About Us

We provide you with financial information to help you manage the finances of the people you have responsibility for.

The company was founded in 2018 in response to the opportunities offered by Open Banking and the need to improve services for people who, for whatever reason, find financial management a challenge.

Technology and innovation have been the core of our business from the beginning, so we respond quickly to changes in the market, offering new, relevant products.

Our values inform every decision, large or small. We’re an ethical company and see data protection and privacy as paramount. We take a green approach to business and consider the environmental impact of everything we do. Our platform has been designed and built from the ground up for low carbon emissions.

If you’re a business that shares our goal of offering the best possible products to people in vulnerable situations, we can work hand-in-hand with you and your team to integrate our platform into your systems, so your customers get the support they need to manage their finances with confidence.

Finance is complicated, even for the experts. We make it easy for you to help simplify it. Using our cutting edge technology we have developed solutions that benefit both you and the people you care for, socially, corporately and ethically. Care is at the heart of what we do, we are driven to make finance fair for all who need it.

We are FCA Authorised

To deliver safe consumer journeys we are fully regulated as an authorised payments institute and consumer credit firm.

We are authorised by the FCA under the payment service regulations and consumer credit act to carry out the following regulated activities:

Woman laughing whilst holding her phone and payment card, and sitting at her laptop

N

AISP

Access to a consumer’s bank account information and the authority to provide this with consent to a third party.

N

PISP

Permission to initial a payment from or to a consumer from another party.

N

CRA

Permission to create and distribute a consumer credit score for the purpose of obtaining credit or debt advice.

N

CISP

Authority to access third party credit reference information and use this to determine the financial standing of a customer.

Management Team

We have an experienced management team leading the company.

Sam Manning

Sam Manning

CEO

Sam is responsible for the direction of the company and has guided it from its beginnings in 2018 to full FCA authorisation.

Graham Clemow

Graham Clemow

CTO

Graham is in charge of the technology platform and ensures our products and services are of the highest standard.

Bill Trueman

Bill Trueman

CRO

Bill is the chief risk officer, constantly on duty to make sure that we adapt to the latest thinking on risk management.

Bryan Foss

Bryan Foss

iNED and chairman

Bryan has a track record of corporate governance. He oversees the management team and ensures high levels of corporate control and compliance.

Nicolina Andall

Nicolina Andall

Board observer

Nicolina is a board observer and iNED trainee. She is a corporate commercial solicitor and brings a wealth of legal knowledge to the board.

Paul Goodwin

Paul Goodwin

iNED

Paul is an experienced corporate finance advisor and has joined the team to help us grow organically and through acquisition.

Jonathan Roberts

Jonathan Roberts

Engineering Manager

Jonathan leads our team of fantastic engineers.

Luna Samuels

Luna Samuels

Operations Manager

Luna keeps our accounts and filing in check.

Awards and Press

We are always pleased to obtain recognition from the industry.

Ethical Finance Awards 2024

We are pleased to be one of the 2024 winners of the Ethical Finance Awards from Wealth & Finance.

Sam Manning on The Agenda with Stephen Cole

Sam Manning talking about the future of FinTech with Stephen Cole of The Agenda and Peter Oakes of FinTech Ireland.

Sam Manning talk at FTT Lending 3.0

FTT Lending

Sam Manning was invited to give a talk on responsible lending at the FTT Lending 3.0 event in London.

Credit Collections Finalist 2023

Credit & Collections Technology Finalist 2023

We are thrilled to have been selected as a finalist for the 2023 Credit & Collections Technology Awards.

Greater London Enterprise Awards 2023

Greater London Enterprise Awards 2023

We won the Best Family-Oriented FinTech Solution 2023