Instant Smart Issuance and personalised Payments.

Personal finance in the digital world is about managing one’s own finances more closely and 24/7. Every transaction creates ‘big data’ that can then be dynamically captured, reported on and personalised. The Hub has already issued over 40m digital account-based tokens and processed over £400m payments. Most banks and service providers cannot do this. Traditionally non-digital issuance and acquiring has been separated in a complex legacy of financial services which is now over-regulated for offline security and therefore increasingly difficult to change. The Hub’s unique digital financial platform can:

  • Create a central digital wallet of financial knowledge for customer-centric financial management
  • Bring real 24/7 personal banking into our lives rather than occasional and fragmented information
  • Build AI-based advice due to a more holistic and more open banking mentality
  • Meet increasing customer needs on-demand with easy access and a scalable set of services
  • Create and maintain individual customer accounts instantly and more securely
  • Open up APIs to personalise financial tools and transform financial experiences
  • Enable challenger banks to deliver a more customer-centric approach than traditional banks
  • Provide an open, cloud-based and end2end secure architecture, with new digital services
  • Digitally equip service providers with an agile, low-cost entry point

The Hub Platform is EMVco certified to both issue payment devices in any form factor (paper, card, mobile, wearable etc) as well as integrate with any EMV approved attended or self-service payment terminal on-site, online or via mobile. This highly secure EMVco end to end integration has since been extended to integrate with Mastercard itself as a Payment Service Provider (PSP) for both mobile and www eCommerce. Any transactional activity is monitored and managed 24/7 and in realtime by The Hub centralised mission control dashboard that remotely manages financial operations as well as personalises the customer account on any device.


The COVID-19 situation affects not only the nation’s health but also the economy and society. Businesses from all over the UK answered our call rapidly to meet the challenges we face today and in the future through the power of innovation.

The ideas we have seen can truly make a significant impact on society, improve the lives of individuals, especially those in vulnerable groups and enable innovative businesses to prosper in challenging circumstances.

Innovate UK Executive Chair Dr Ian Campbell.

By connecting citizens, neighbourhoods and communities through a local public sector platform, they can be linked together within a regulated, ethical, protected and trusted environment. This creates the opportunity for each to participate in solving their problems and the challenges affecting them locally, with the public sector in the role of custodian of the marketplace.

A. Larner iESE

THE HUB delivers world class digital capabilities rapidly to step-change business performance enhancing customer engagement and experience with every touch.

Michael Farish

THE HUB simplifies your business and makes it easier for customers to do business with you. Relentless customer focus is at the heart of what they do.

Mike Farish