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Jon Woods.
The experience is fintech. The thinking isn't.

Jon Woods has built and shipped financial products across every major fintech cycle — mobile banking before smartphones, P2P lending, neobanking, crypto, agentic AI. Always as the person responsible for the product.

He has led AI transformation from the inside, reshaping how product teams work at the companies he has built, and now does the same alongside clients' teams today.

JON WOODS · FOUNDER

Every cycle. Shipped.

Five waves of fintech, from feature-phone banking to agentic AI. Each one installed, tested in production and shipped, with the scars to show for it.

Fintech cycles shipped: mobile banking, P2P lending, neobanking, crypto, B2B lending, and now agentic AI.

Worked from London, then San Francisco, then Singapore.

Built at Monitise, LendingClub, Varo Bank, GXS Bank, Crypto.com, Funding Societies, Grab Financial, Standard Chartered Bank and Visa.

How I work. Six principles.

01Find the thread.Most problems aren't problems in the parts — they're problems between the parts. That's where I work.
02Own the outcome.'The other team didn't deliver' is not a complete sentence. Responsibility includes the dependencies you don't control.
03AI first.Agentic workflows, embedded in the build. I build with it, not just talk about it.
04High agency beats high IQ.The PM who finds a way beats the PM who explains why it couldn't be done. Builders don't wait for permission.
05Say the hard thing.The answer you need isn't always the answer you want. I'd rather be useful than comfortable.
06Geek energy.Curious about how things work, rigorous about how to measure it. If you don't challenge me at least once, I'm not excited.

Let's go build something great.

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