Blog

Despite huge advances in technology and the growth in mobile phone ownership, hundreds of millions of people across the world still have no access to financial services. We hope to change this.

Bounce-back loan fraud has cost the UK billions. Might a simple extra identity check have made all the difference?

Is it sensible to take the view about Government surveillance of citizens, that if we've nothing to hide we have nothing to worry about?

Is the password to blame for all our cyber ills? In which case should we seek to kill off the concept of a simple, mentally-held secret - or invent a better one?

Password security is broken as passwords are ‘static’ and easy prey for hackers to capture, crack and re-use, sell on the Dark Web etc. The better alternative is clearly one-time passcodes (OTPs) which change every time. But sending them by text also appears to be broken, due to SIM fraud/swapping. How can you convey OTPs to users in a better, more secure way?