Having driven the creation of Barclays’ global FinTech innovation arm, Rise, Mat noticed how hard it was for customers to get the products they need from banks. There is so much waste caused by the inefficiencies of post and telephone, despite new emerging technologies holding the potential to simplify things. Together with fellow co-founder Mike, they created Nivo and led it to be Barclays’ first tech spin out, bringing the best engineering minds out of the bank along with them. They designed Nivo’s customer journey to be ten times better than anything else on the market, and incredibly accessible to any organisation irrespective of size or bank balance. Their mission is to give all regulated service providers the same FinTech services as the likes of Monzo, Starling and Revolut.