Your Global Fintech Partner

We power your brand and ambitions to deliver superior digital financial solutions

About us

We make financial services innovation simple with a world-class team

We are Omnio. We work with you to help your business deliver innovative, reliable banking and payment services that meet both your current and future customers’ needs.

Formed in 2018 from the merger of leading Fintech specialists, PCT and Tuxedo Money Solutions, we are experts in the delivery of banking and payment solutions for business. Through our cloud-based digital platform and our back office services, we can support your business in offering reliable and robust banking-grade financial services to your customers.

With operations in Europe, Australia, North America and Africa, we support many of the world’s leading businesses and government organisations in delivering innovative and effective financial products.

The Team

Ian Clowes

Group CEO

CEO at Omnio Group, Ian is a seasoned entrepreneur, and before founding PCT was former Director of Abbey National Bank (now Santander) Unisys Corp. and Money Card. Ian has over 20 years’ leadership experience in the Banking and Payments industry, including previous board-level appointments at BACS, APACS, and EPA amongst others.

Ian is currently a leading player in the Fintech industry, Non-Executive Director of ethical challenger bank The Change Account, and airline payments experts Travel Welfare.

Ian holds an MBA from the University of Warwick.

Mike Peplow

Group COO

Mike Peplow is Chief Operating Officer at Omnio Group. Prior to joining PCT in 2014, Mike was President of BancTec EMEA, a €100+M business focused on technology-based banking and outsourcing services.

Mike brings an in-depth knowledge from 20 years’ experience in developing international business with strong strategic marketing and business growth. He has a strong track record of transitioning businesses into new markets and evolving delivery models.

Mike holds an MBA from Manchester Business School, a BSc (Hons) in Aeronautical Engineering and is a chartered engineer with the BCS - The Chartered Institute for IT.

Keith Richbell

Director, Omnio Australia

With 35 years in the industry, Keith has extensive knowledge of retail banking and payment systems. He has held senior leadership positions in the UK and overseas with many major international brands, including Citibank and Santander, Travelex, Vocalink and eftpos Australia.

Keith is now responsible for developing Omnio’s growth strategy in Australia and for overseeing the teams working with Omnio’s existing Australian customers, including STA, 7-eleven and Qantas.

Keith holds an MBA from Loughborough University.

James Redding

Group Business Development Director

An experienced International CEO, James has an extensive understanding of developing technology driven start-up businesses in both the UK and Africa. His technical knowledge spans operations across B2B markets including retail, banking and the technical service industries.

James has a wide-ranging understanding of the potential and scope of financial technologies including mobile payments, mobile wallets, open and closed loop solutions to provide innovative and radical customer propositions.

James is the Emerging Payments Association (EPA) Lead for Africa.




Robust and resilient high quality digital banking solution

Empowers your business to secure quick market entry and deliver innovative and reliable banking-grade financial services via our cloud-based platform.

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Convenient, secure and flexible prepaid programmes

From travel and corporate, to gift and loyalty, our prepaid programmes give your business the means to provide effective, reliable and flexible prepaid solutions across both B2B and B2B2C spaces.

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Innovative, secure and reliable corporate solutions

Finance, government benefits, corporate expenses and payroll to digital compensation, our corp.VISION technology is a convenient, cost-effective, secure and simple way to streamline your company finances.

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Tuxedo Money Solutions


Smart payments for your customers

From alternative banking, to general spending, foreign exchange and loyalty systems, we offer you a range of smart payment solutions to strengthen your relationship with consumers.

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Unlocking the potential for all sectors

Improve efficiencies, reduce operating costs or address corporate payment challenges with our extensive range of compelling alternative solutions that are perfect for businesses of all sizes.

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Innovative payments going beyond the norm

Whether it’s a prepaid solution, alternative payment or a complete global payment framework, we have the expertise and experience you need to move your ideas and business forward.

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Why Omnio?

Proven Track Record

Omnio is more than just a new business. Formed through the merger of two leading Fintechs, PCT and Tuxedo Money Solutions, we have more than 10 years’ experience building successful partnerships with world-class businesses in banking, travel, finance, corporate and government markets.

We support hundreds of clients all over the world to deliver reliable and robust digital banking and payment solutions to customers. In doing so, we empower our clients to attract new customers and add further value to existing ones, helping their businesses to grow.

We welcome the opportunity to work with your company to achieve the same results.

Who we work with

Relationships that are powered to last

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Contact us

To learn more about how we can support your business in meeting its banking or payment needs, get in touch with us at:

Or call +44 (0)20 3397 1699