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London, England, United Kingdom
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5K followers
500+ connections
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Activity
5K followers
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Jim McCarthy shared thisThanks for your trust in us Gus. We look forward to scaling together with Netbank across the Philippines and beyond. 🚀Jim McCarthy shared this🌏 Thredd partners with Netbank to power next-generation Cards-as-a-Service in the Philippines. We’re proud to support Netbank, the country’s first fully regulated embedded banking platform, as they launch a modern CaaS solution designed to help fintechs, e-wallets and banks bring new card products to market quickly. A big step for a fast-growing digital payments market. Learn more: https://lnkd.in/ev4g_KeF
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Jim McCarthy reposted thisJim McCarthy reposted this🎉 Congratulations to Pliant on their U.S. launch. Great to have our CRO Kevin Fox at their New York event to celebrate this milestone, as our valued client Pliant opens its next chapter in the U.S. market. We’re looking forward to supporting Malte Rau (CEO and Co-Founder), Nayan Behal (Managing Director and Country Head, UK & Ireland), and Fabian Terner (Co-Founder) as they continue to grow in the U.S. and beyond.
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Jim McCarthy reposted thisJim McCarthy reposted this✨ HY10 is building a modern premium card experience for high-net-worth customers, pairing digital simplicity with personalised service. We’re proud to power the payments infrastructure behind their programme, working alongside Visa to deliver secure processing, tokenisation, fraud controls and a seamless card experience. This is an exciting moment for HY10 and a strong example of how Thredd supports premium and high-net-worth propositions across the market. We look forward to growing our work in this space and supporting more partners as they scale. Visit HY10's new website to find out more about personal finance for ultra-high-net-worth individuals - https://www.hy10.uk
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Jim McCarthy shared thisReally proud of the team. Delivering a live conversion of 2.5 million cards with no downtime and no transactions dropped. Incredible stuff. Thanks to our partners at BigPay and Aireen Omar for their partnership in this effort. 🚀Jim McCarthy shared this🔋 Thredd powers BigPay’s migration to next-gen platform. We’re proud to share that BigPay has successfully migrated more than 2.5 million virtual and physical cards to Thredd, marking one of the largest portfolio transitions of its kind in the region. Delivered through close collaboration and careful planning this marks a major step in supporting BigPay’s growth across the region. Learn more: https://lnkd.in/ed8FdMKg
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Jim McCarthy reposted thisJim McCarthy reposted this🔋 Thredd powers BigPay’s migration to next-gen platform. We’re proud to share that BigPay has successfully migrated more than 2.5 million virtual and physical cards to Thredd, marking one of the largest portfolio transitions of its kind in the region. Delivered through close collaboration and careful planning this marks a major step in supporting BigPay’s growth across the region. Learn more: https://lnkd.in/ed8FdMKg
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Jim McCarthy reposted thisJim McCarthy reposted this🌍 Thredd is proud to announce a landmark agreement to enable Visa Cloud Connect globally. This commitment supports our cloud-first strategy and will give clients faster, more resilient access to Visa’s global network through a single, scalable cloud integration. By connecting across all global Visa Cloud Connect endpoints, we’re helping fintechs and banks enter new markets more easily, accelerate time to launch, and build on a unified processing platform designed for global growth. Learn more: https://lnkd.in/gaa4uJK8
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Jim McCarthy reposted thisJim McCarthy reposted thisAt Fintech NerdCon Miami w/the most awesome Sarah Flood , Mandy Sellers and Anabel Perez and a graffiti bus, of course. Because Miami.
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Jim McCarthy reposted thisJim McCarthy reposted thisHeading back to London tonight after an incredible three weeks across the US and Asia. A whirlwind that included Money20/20 USA, Hong Kong Fintech Week and the Singapore Fintech Festival. What made the trip special wasn’t just the events, but the people. It was a privilege to spend real quality time with our fantastic Thredd teams across the regions. Your energy, passion and commitment to what we’re building together is truly inspiring. I also had the pleasure of meeting many of our clients and partners throughout the journey. Hearing your perspectives, exploring new opportunities and discussing how we can continue driving shared success through innovation and collaboration was energising and deeply motivating. Grateful for the conversations, the insights and the partnerships. Excited for what’s ahead! #Thredd #fintech #innovation #partnerships #payments #digitalbanking
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Jim McCarthy reposted thisJim McCarthy reposted thisThredd has partnered with Reap and Fireblocks to launch a new stablecoin whitepaper. 📊 With B2B payments the fastest growing segment in stablecoins, this marks a major shift away from P2P dominance. In integrating stablecoins with the four-party card model, this approach delivers real-time settlement, lower costs, regulatory compliance, together with global merchant acceptance. Thredd's latest whitepaper with Reap and Fireblocks explores this transformation in depth. Read now: https://lnkd.in/eZisuzUM
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Jim McCarthy liked thisJim McCarthy liked thisExcited to be heading to Las Vegas next week for Fintech Meetup 🇺🇸 Looking forward to connecting with fellow builders, partners, and innovators in the fintech space, exchanging ideas, and discussing what’s next for our industry 🚀 Feel free to reach out if you’ll be there, always great to connect in person 🤝 James Yacobucci Jon Schwartz Carmine Barone #Fintech #FintechMeetup #LasVegas #Networking #Innovation #Payments #DigitalFinance #Leadership #FintechCommunity
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Jim McCarthy liked thisMoving money globally is easy...doing it securely and at scale is the challenge. Finductive is solving this by providing businesses with secure, global payment accounts built for rapid onboarding. Thredd is proud to spearhead the card processing infrastructure behind their offering, providing the resilient foundation they need to scale with confidence. Through the Thredd platform, Finductive leverages: - Scalable Issuing: Reliable processing for high-velocity global volume. - Embedded Risk Controls: Real-time fraud monitoring and 3DS protection. - Strategic Infrastructure: Frameworks designed for seamless multi-currency growth. This collaboration highlights how Thredd turns complex payments into a launchpad for global expansion.Jim McCarthy liked this🌏 Moving money globally is easy. Doing it securely and at scale is the real challenge. That’s what Finductive is solving, helping businesses move money worldwide through a simple, secure payment account built for fast onboarding, global reach and seamless cross-border transactions. We’re proud to power the card transaction processing infrastructure behind Finductive’s payment offering, enabling them to launch and scale with confidence. Through our platform, Finductive benefits from: • Reliable, scalable card issuing and processing • Real-time fraud transaction monitoring to help mitigate risk • 3DS for additional protection on international transactions • Built-in security and control frameworks designed for multi-currency growth This collaboration highlights how Thredd helps modern payment providers combine resilient infrastructure, embedded fraud controls and a seamless customer experience, turning payments into a foundation for global expansion. Visit Finductive to learn more about their approach to secure, international business payments - https://finductive.com
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Jim McCarthy liked thisWe're excited to be partnering with Visa Commercial Solutions. The travel sector is growing fast across Europe, but behind every booking is a web of supplier payments, reconciliation challenges, and cross-border complexity. That's where payments automation makes the difference — turning manual, error-prone processes into something that actually scales. Our work at Modulr with Visa on virtual card solutions is helping travel businesses move faster with more control over every payment. #B2B, #travelpaymentsJim McCarthy liked thisGrowth across Europe is exciting. Managing the payments complexity that comes with it? Less so. From supplier payments to reconciliation, scaling travel businesses need payment infrastructure that can keep up. With Visa’s network and virtual card capabilities, Modulr is helping bring more control, efficiency, and flexibility to B2B travel payments. There’s more to explore on our website, including our latest video and thinking on the evolving travel payments landscape. 🔗 https://vi.sa/4lSE9Jt
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Jim McCarthy liked thisJim McCarthy liked this🎙️ New episode of Practical Product Management is out! This week, Marilyn and I sat down with Ryan Dew, CPO at Thredd, to talk about what innovation really looks like when you're building the plumbing the entire payments ecosystem runs on. And yes — in a fun twist, Marilyn has just joined Thredd as CTO, so this conversation just got a little more interesting. 🎉 We talked about: 🔒 Why trust is the product — not the feature — in regulated industries 🏗️ Why platform PMs are the unsung heroes of every great fintech experience 🤖 Where AI is actually adding value in payments (and where the hype isn't) 💳 The real innovation in BNPL and other payments ideas — and what's just a UI layer on old rails 👉 Listen anywhere you get podcasts, or at PracticalPMPodcast.com #ProductManagement #Fintech #Payments #AI #Innovation #ProductLeadership #WomenInTech #Podcast #PracticalProductManagement #Thredd
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Jim McCarthy liked thisJim McCarthy liked thisFab time presenting at Claude Code London #4, supported by Anthropic. Demoed 𝗸𝘆𝗰-𝗮𝗻𝗮𝗹𝘆𝘀𝘁 (link to github in the post) An open-source KYC/AML compliance plugin built on Claude - 17 human-in-the-loop stagegates, - free public data sources, deterministic risk scoring, zero vendor lock-in. - plain markdown files and a slash command. - Full report, audit trail, interactive, folders, connectors etc But here’s what I didn’t expect. Product folks, Engineers & Compliance leads from IPO’d fintechs, quant desks, and global reg-tech firms started forking the repo during the talk. “This is going to save us a lot.” - IPO’d fintech “Thank God I attended and got to see this.” - Quant analyst, FX tech “This saves my team the pain of choosing ridiculously expensive platforms.” - Global reg-tech “Just played around with this, it’s amazing. Building a UI for our internal team.” - Forked mid-presentation kyc-analyst is open source : fork it, break it, star it 👉🏼 https://lnkd.in/e-97u3xW Big thanks to Vikram Pawar for organising CCCL and Felix Brockmeier for the intro. The energy in the room was unreal!!! Full deep-dive on the architecture and roadmap coming next week If you want to try it now - DM me or fork it yourself #ClaudeCode #MCP #OpenSource #CCCL #Compliance #KYC #AML #Fintech #RegTech ben butterworth Aditya Wagh Ashwini Laxminarayana Shashwat Verma Avdhesh Singh Chouhan Edwin Trebels Samuel F. Efan Mutembo Aris Manshor
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Jim McCarthy liked thisJim McCarthy liked thisOn Thursday we welcomed Ana Botín to our employee townhall, hosted at our London office. We discussed what makes Santander UK such a special place for our customers and the clear benefits of being part of a global Group. It was an energising conversation and reinforced the message that the UK will play a significant part in delivering on our commitments outlined at our Investor Day. We will work hand in hand with the Group, on delivering the best value for our customers and shareholders. Thank you Andrew Wilson FRSE, FCBI for hosting the discussion.
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Jim McCarthy liked thisFintech News Singapore - part of Fintech News Network
Fintech News Singapore - part of Fintech News Network
3wJim McCarthy liked thisMarilyn McDonald takes over as CTO while Ryan Dew steps up to Chief Product Officer as Thredd advances its US platform rollout and credit launch. Read here: https://lnkd.in/gp-3AXBG #fintech #payments #CTO -
Jim McCarthy liked thisJim McCarthy liked this🎤 Are we ready to delegate to agentic systems? Great to see this question explored on stage at the Payments Innovation Forum as part of the Agentic Commerce panel, with Jonathan Vaux, Head of Propositions & Partnerships at Thredd, alongside leaders from Mastercard and Discover Network. The discussion highlighted how emerging technologies like agentic AI are starting to reshape payments, alongside increasing regulatory focus and a more complex global environment. A timely conversation on how the industry can move forward with confidence while balancing innovation, trust and control.
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Jim McCarthy liked thisJim McCarthy liked this🎤 A great set of conversations last week at the Wolfe Research, LLC FinTech Forum 2026 in New York. As part of the programme, our CRO Kevin Fox joined Radha Suvarna, Chief Product Officer, Payments at Finastra, for a discussion on “Bank Tech: Getting to the Core of the Issue(r)s.” The session explored how modern issuing infrastructure is evolving to support banks and fintechs as they scale new payment products, navigate regulation and deliver more flexible card programs. Thank you to Darrin Peller, Josefina R. and Wolfe Research for hosting a thoughtful forum and bringing together leaders from across the fintech and payments ecosystem. If you’d like to learn more about how Thredd is supporting next-generation issuing infrastructure, we’d love to continue the conversation. https://lnkd.in/egsHnwvy
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Finishes and Interiors Sector
9K followers
Major reforms proposed to tackle late payments & retentions The UK Government has launched its most significant overhaul of B2B payment practices in 25 years, aiming to protect SMEs, enforce faster payments, and reform retention rules in construction. FIS welcomes the proposal, particularly retention reform and urges members to have their say before the 23 October consultation deadline. Find out more and share your response here: https://lnkd.in/edB34BYg
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TransUnion
571K followers
The numbers are in — and they’re telling a story lenders can’t ignore. • 11 million consumers are now using BNPL, increasingly for essentials • 60% are actively shopping around for better credit offers • Only 8% say they would stay loyal to their current provider Transunion’s new eBook explores what this shift means for acquisition, retention, and long-term growth — and how lenders can respond with smarter strategies: http://transu.co/6049fc85l #LendingStrategy #CustomerRetention #BNPLTrends #FintechInsights
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FinTech Wales
16K followers
Credit Canary, AperiData and Sikoia named winners of TSB Bank’s 2024 Innovation Labs Programme 🏴 Three cutting-edge fintechs have been announced as winners of this year’s TSB Bank Innovation Labs, which supports the next generation of fintech innovation in partnership with FinTech Scotland. • Credit Canary – Fintech Wales Foundry Season 3 graduate • Aperidata – Fintech Wales member • Sikoia – specialist in automated customer verification All three will now co-develop Proof of Concepts with TSB to enhance customer experiences using Open Banking and real-time insights. “These fintechs use data and technology in new creative ways to help provide an even better experience for TSB customers.” — Adam B., FinTech & Open Banking Lead, TSB Read more about the winners and how they’re shaping the future of finance: 👉 https://lnkd.in/eHNezj7y Follow FinTech Wales for the latest updates on Welsh fintech innovation.
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Toqio
13K followers
According to the Merchant Transact 360 report, created by The Payment Institutions Association, payments are evolving faster than ever and the next 12 months will redefine how merchants interact with customers. The report highlights a clear shift. Payments are no longer a back-office function, but a strategic differentiator. Among the top trends shaping the UK and European markets there’s: ✔️ Open banking continues to gain ground, with account-to-account payments becoming a mainstream alternative to cards. ✔️ Instant payments and payment orchestration simplify operations and reduce costs for merchants managing multiple channels. ✔️ Mobile wallets are redefining customer experience, while biometrics and AI-driven fraud prevention raise both security and personalization standards. ✔️ BNPL regulation, tokenisation, and PSD3 reforms are forcing businesses to adapt — balancing innovation with compliance. From Toqio’ team, we see these trends as clear signals that embedded and contextual finance will be essential to keeping payment experiences relevant, fast, and trusted. 👉 Find further information here: https://lnkd.in/dbYYQ_Xu
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Tim Howarth
5K followers
🚨 We’re proud to announce that Fimatix UK Ltd, Pace Technology UK, and Aigenix have been officially named to the CCS RM6353 Telematics Framework making cutting edge telematics available to UK Govt Fleet managers! ✅ Together, we’re delivering a powerful combination of: 🚗 Reliable telematics hardware (Pace Technology UK LTD) 📊 AI-powered analytics & insights (AiGenix) 🧠 Digital programme delivery & transformation (Fimatix) This collaboration will help UK public sector fleets reduce emissions, improve safety, and operate smarter than ever before. “We’re excited to deliver intelligent telematics solutions that improve fleet performance, safety and sustainability across UK public services.” – Steve Kealey, Pace Technology UK “This partnership is a powerful step in bringing AI and real-time insights to public sector fleets.” – Muhammad Asad Irshad, Aigenix “We’re thrilled to support the UK public sector with smarter, safer and greener fleet solutions.” – Tim Howarth, Fimatix #RM6353 #FleetManagement #GovTech #Telematics #Aigenix #Fimatix #PaceTechnology #Sustainability #AI #UKPublicSector #SmartMobility #DigitalTransformation
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The Future Of Banking
73K followers
🤝 Zopa Bank partners with Infact to share all consumer credit information UK digital bank Zopa Bank has partnered with licensed credit bureau Infact to report all consumer credit information across its products, supporting 1.5 million customers in building accurate, up-to-date credit files. The collaboration aligns with 𝗭𝗼𝗽𝗮'𝘀 𝟮𝟬𝟮𝟱 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗣𝗹𝗲𝗱𝗴𝗲 campaign driving actions to improve consumer financial resilience while supporting healthy competition in the UK bureau market. Zopa Chief Analytics Officer Jeremy Penzer emphasized the partnership helps customers build stronger credit profiles accurately reflecting financial behavior, enabling informed decisions and improved credit scores. Infact CEO Will Mason highlighted creating a more complete picture of consumer creditworthiness through accurate, comprehensive, and current credit profiles. The strategic collaboration establishes new standards for UK credit reporting by combining Infact's mission-driven technology innovation with Zopa's customer-focused banking approach to deliver transparent financial data helping people build stronger financial futures. Source/More info: https://lnkd.in/ew3QAxzB This and more in the newsletter! Sign up here: https://lnkd.in/ecvqiKBY Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story. Next! [ 𝗹𝗶𝗸𝗲 ]
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Yapily
41K followers
💸 Learn how to unlock faster, smarter lending with open banking Our new blog post, "Open Banking for Lenders: How to Choose the Right Platform," is your essential guide to getting started with open banking for your business. We cover: 📈 Boosting efficiency in affordability assessments. 🔎 Making more accurate and timely credit decisions. 🤔 The crucial factors to consider when selecting an open banking partner. 🙌 How Yapily provides a robust and reliable open banking infrastructure for lenders. Check it out here: https://lnkd.in/e3V-Nrpv #openbanking #lending #Yapily #openbankingdata
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PayPoint plc
32K followers
We’re proud to announce a major partnership with Lloyds Banking Group, bringing a new cash deposit feature to over 30,000 PayPoint locations across the UK. Thanks to a new feature in the Lloyds, Halifax, and Bank of Scotland mobile apps, customers can now deposit up to £300 a day in cash at their local PayPoint store - with funds appearing in their account within minutes. 99.5% of people live within a mile of a PayPoint store, providing a simple and convenient way to take care of many everyday errands. From returning or collecting parcels, to paying bills, buying gift cards or topping up a mobile phone, PayPoint makes it easy to get things done in one place at the heart of communities across the UK. PayPoint BankLocal will be available in PayPoint locations across the UK starting from 26 August. http://bit.ly/45Mn90U
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Finance Connect
10K followers
Love Finance has integrated iwoca’s lending API into its platform, enabling automated loan decisioning in a move aimed at reducing waiting times for UK small businesses seeking finance. Find out more at: https://lnkd.in/eUiZeEZD #LoveFinance #iwoca #API #integration #SMElending
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Alfa Financial Software
16K followers
Paragon SME Lending's decision to increase its automatic decisioning loan limit to £150,000 is a significant step in accelerating access to finance for UK SMEs. This move reflects growing confidence in their digital and data-driven infrastructure, enabling faster decisions, seamless customer journeys and greater operational efficiency. We’re proud that Paragon chose Alfa Systems to power its Commercial Lending Transformation Programme, replacing legacy systems and streamlining the end-to-end lending process. By modernising its SME lending operations and diversifying its product portfolio, Paragon is setting a leading example of how technology and data can be used to improve the experience and outcome for both customers and brokers. https://lnkd.in/eYAY72KV
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Phil Kenworthy
ClearBank® • 2K followers
Some positive movement today with regards to Retail Payments infrastructure in the UK. The Bank of England's announcement (https://lnkd.in/eMfqDUyQ) sets out the next steps: The creation of a Retail Payments Infrastructure Board (chaired by the Bank) under which sits an industry led Delivery Company whose role will be "focused on procuring and funding next-generation infrastructure". Pay.UK retains its role as operator of the existing systems.
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Ben Agnew
The Payments Association • 6K followers
Fraud is now the UK’s most common crime - responsible for over 40% of all reported offences. It’s not just a financial issue — it’s a national security threat that drains confidence from our markets, money from our consumers, and trust from our system. For the payments industry, it’s the single greatest test of our collective resilience. That’s why collaboration across government, regulators, law enforcement, and the private sector has never been more critical. Next week at Financial Crime 360, hosted by The Payments Association, we’ll bring together the leading voices shaping the UK’s response to economic crime - exploring how innovation, data sharing, and cross-sector cooperation can help us move from response to prevention. Join us as we discuss how the UK can stay ahead of the criminals - and build a payments ecosystem that is secure, trusted, and world-leading. Learn more and register here: https://lnkd.in/ew_RXXTi #FinancialCrime360 #Payments #FraudPrevention #EconomicCrime #Fintech #Regulation #Innovation #Collaboration
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Jianni Jeberaeel J.D.
Drop 28 • 3K followers
161 approved merchant applications so far this month on EPI, with over 155 currently pending signature. Once these merchants begin processing, we expect to bring 40,000,000 in processing volume to Cygma alone, putting us at around 11.4% of Cygma's total processing volume. We're not just making noise, we're shifting the ground. And this is just the beginning. We've officially launched our newest initiative, the Mega Payments Bounty Hunter Program, which has the potential to add 75-150 MIDS per month if executed correctly. We're already testing it with five agents as we speak, and early signals are extremely promising. Drop 28 is set to launch in about 30 days, and the excitement around this release is real. We're rolling it out in beta stores across pet grooming, dry cleaners, auto repair, phone repair & more. On top of that, we currently have 33 partners lined up to white-label and launch it within their own brands and ecosystem. The payments industry is one of the most exciting spaces to be in - but it can also feel like a grind if you're aligned with the wrong company. We're investing millions of dollars in Mega for growth. The strategy is clear, the execution is repeatable, and the momentum is undeniable. I'm going to keep doing what works, duplicating it at scale, and pushing it forward - head down, throttle wide open, building speed like a fully loaded freight train that doesn't slow down for stations, signals, or doubt. The only direction is forward, and the destination is inevitable.
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7 Comments -
FinTech North
10K followers
🚀 The North of England FinTech Report is here! The inaugural North of England FinTech Report has been produced by Whitecap Consulting, in partnership with FinTech North and with the support of national and regional strategic partners. The new report, which launched at our event this week, maps the FinTech ecosystem across the North of England, identifying all FinTech firms active in the region and highlighting key activity, strengths and growth opportunities. Key findings include: ⭐️ The North of England's FinTech sector generates an estimated £5.1 billion in GVA annually, forecast to grow to £6 billion by 2030. 🏡 The region is home to 400 FinTech firms. 💪 Key sector strengths include Payments, Lending, WealthTech, and Banking, aligning with the financial heritage of the region. 📈 Identifies five ‘big ideas’ that could significantly accelerate the growth of the sector in the North. Read the report in full here: https://lnkd.in/eZs-C4vK This collaborative project has been conducted in partnership with regional and national organisations including Aviva, Bruntwood SciTech, FCamara Consulting & Training, FinTech North, Innovate Finance, Liverpool City Region Combined Authority, MIDAS Manchester's Inward Investment Agency, Mastercard, NatWest Group, The Northern Powerhouse Partnership, The North East Combined Authority, PEXA UK, Pulsant, RSM and West Yorkshire Combined Authority. #FinTechNorth #NorthFinTech2025 #DigitalUK #RegionalGrowth Joe Roche Ryan Walsh Rachel England Julian Wells Chloe Thompson Queralt Smith Vila Henri Murison Lauren Cassells Suzanne Lawson Katherine Megson Rafael F ∴ John Birtwhistle Peter Cunnane Rashee Pandey Sam McGurk Neil Pickles Will Haydock TAP.cert Chloe Thompson Edoardo Barbi Rebecca Hall ACIM Ben Franzini Verdi Taylor-Bishop Felicity Williamson Katy Raife
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Aaron Holmes
Kani • 6K followers
I helped introduce the UK's first contactless cards back in 2008. Today, 95% of in-store card payments under £100 are contactless. But is the £100 limit holding back UK commerce? The FCA is considering removing caps entirely—following markets like the US where merchants can set thresholds up to $10,000. Higher limits = faster commerce + richer data insights, but only if we get the security framework right. I shared my thoughts on what's at stake as we redefine payment limits over at Finance Derivative: https://lnkd.in/eTGbsEZC
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