thinkmoney
“Can a UK e-money institution built on financial inclusion modernise its infrastructure and expand product depth (lending, credit card) to serve credit-impaired consumers at scale?”
Founded in 2003, thinkmoney built its identity around financial inclusion — offering a managed current account with a smart budgeting tool that ring-fences bill payments for customers who struggle with traditional banking. Operating as an FCA-authorised e-money institution rather than a chartered bank, it provides payment accounts, debit cards, and — via partnership with Lendable — personal loans. In 2024, a major infrastructure upgrade saw the company migrate its card and account platform to Edenred Payment Solutions, signalling a modernisation push while retaining its core mission of serving credit-impaired and financially excluded UK consumers.