Fintech is messy.
We've built through every cycle.
From boardrooms to backlogs, across neobanking, crypto, payments, and embedded finance — Europe, US and Asia. We know what works. And what doesn't.
Lead
Where to play, what to build, how to win. Direction connected to outcomes — and built for the organisation to execute.
Finding the right problem before building the wrong solution. Research, hypothesis testing, competitive analysis.
Broken process kills good products. We design the operating model that lets teams move fast and ship with confidence.
Build
From blank page to launched product — at a digital bank, a US neobank, across crypto and SME fintech. We know regulated markets.
Card programs, fiat rails, lending platforms, embedded finance, crypto on/off ramps — built and scaled across the US, Europe, and SEA. We know the infrastructure, the regulators, the realities.
Automating workflows, building agentic systems, embedding AI in the development process — where it creates real product leverage.
Scale
Built teams from zero to twenty-plus across multiple markets. We know what good looks like at every stage — and how to get there fast.
The right structure is as important as the right strategy. Roles, reporting lines, and ways of working — designed to scale.
A great product nobody uses is just a prototype. Segments, channels, pricing, launch — we define and execute.
Most problems aren't problems in the parts — they're problems between the parts. That's where we work.
'The other team didn't deliver' is not a complete sentence. Responsibility includes the dependencies you don't control.
Agentic workflows, embedded in the build. We build with it, not just talk about it.
The PM who finds a way beats the PM who explains why it couldn't be done. Builders don't wait for permission.
The answer you need isn't always the answer you want. We'd rather be useful than comfortable.
Curious about how things work, rigorous about how to measure it. If you don't challenge us at least once, we're not excited.
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.
The experience is fintech. The thinking isn't.