Whether an individual or business we give you the best tools to collect, organise and verify information about customers’ business and personal bank accounts in a fast and secure way.
Industry faces key challenges from regulations designed to ensure customer safety and tackle financial crime that impact both business and individuals:
This leaves you with costly processes that impact customer experience. With our products and services, we solve these issues.
We are regulated by the FCA and members of CiSP and FDATA.
We came together to make banking and finance better for you – our team brings together the expertise and experience of senior executives from the worlds of finance and technology. We were at the forefront of making electronic trading a global success and we’ve seen the parallels and opportunities with Open Banking that we believe will make it an equal success.
Our mission is to provide the best tools for you to collect, organise and send information about bank accounts, empowering you to make Open Banking work for you in a secure and controlled way.
We know finance, we know technology and we make products and services that create a better way of doing things.
Tony’s first career was as a Pilot in the RAF – an obvious career step to Investment Banking.
Tony joined Lehman Brothers in 2000 in the nascent electronic trading business, which quickly became the largest equity trading business in Europe. Tony joined Merrill Lynch in 2006 and helped establish the electronic trading franchise for clients. During this period the market experienced unprecedented change as a result of MiFID 1, with clear parallels to the introduction of Open Banking.
In 2016 Tony left Merrill to concentrate on Hedkayse Ltd, a unique multi-impact cycle helmet that he and the team invented. You may see him cycling the streets of London and beyond with another prototype helmet being trialled.
Tony is also a non-executive director of Citadel Securities Europe (Ltd)
David graduated with a business degree, subsequently training as a chartered accountant. After making his escape from the accounting world, he spent the next 25 years working in financial services, principally in risk and treasury and has held senior positions across the worlds of both listed and OTC derivatives including the roles of Credit Director and then Group Treasurer at IG Group PLC. David’s most recent role was at Global Prime Partners Ltd where he worked alongside Mike.
David is a keen cyclist (yet to score a free helmet from Tony) and a bad cricketer, frequently forced to show his lack of skill bowling at his cricket-mad son
Betina has spent most of her career in the investment management industry. She launched and managed a CTA/discretionary macro fund for Tiresias Capital in Geneva, then returned to her native Denmark to manage a $500mn internal hedge fund for ATP. In 2013 she co-founded QLO Capital Ltd, a family office/proprietary trading business, where she is still a director today.
This and the arrival of 2 children and a Doberman puppy wasn’t enough to occupy her time, so she embarked upon a full-time MSc in Public Health Science. Her studies focused on population behaviour and culture in the context of health and wellbeing, research methodology and social capital theory. Since graduating, she has lectured at university and undertaken research on behalf of the National Pharmacy Association.
If she had any free time, Betina would be spending it on horseback, dabbling with fitness… and sleeping.
Matt has spent more than 20 years at the senior end of the creative industry. Bringing together creative, commercial and technology through content, design, partnership, marketing, product and more. Working across start-ups, agencies and corporates, Matt began in the music industry in independent labels before heading up music for O2. He moved to publishing and mobile with the Guardian before looking across the whole creative industry and applications of advanced technology with the Digital Catapult.
As well as the culture and creativity of all these endeavours Matt is also a craft beer fan, attempting to legitimise that beyond just the drinking of it he has also run his own bottle shop and bar. He enjoys the punishment of following cricket and aspires to the title of home cook
Adding a youthful element to the Armadillo team, Sam came from an International Relations background before discovering the world of Computer Science – working on decentralised voting systems using Ethereum blockchain before joining Armadillo. These moves have taught him to love being thrown in at the deep end and Sam holds the honour of being both the most senior and the most junior developer for Armadillo Financial Technologies.
Whilst Sam could spend all of his time playing video games, he tries to balance this out by reluctantly participating in triathlons and various other sports – when he manages to pull his head out of the cloud.
Open Banking is a revolution in banking and finance. It has opened-up a way for you to digitally and securely share information previously locked away.
Every time you dealt with a customer you had to get them to provide difficult proof. Every time you dealt with someone new you had to go through the whole thing again. Every time their data was at risk.
No more proof and forms. Customers can digitally and securely share their information with you. This is all regulated by the UK & EU and uses standards independently developed by the UK government to remove risk and make sure the information is secure.
Watch the video below for more information on Open Banking