Improving Access to Financial Services
A world-class team

We make your business more successful by allowing you to improve access to financial services for a broader diversity of consumers

Founded in 2008 and headquartered in the heart of London’s FinTech scene, we excel in digital banking, prepaid and travel compensation, working with many of the world's leading businesses and government organisations.

Our cloud based platform, digital.VISION, is reforming the way banking and payments are delivered and we’re proud to be trusted by our customers to enable reliable and robust banking grade financial services every day. Our proprietary card.VISION, corp.VISION and bank.VISION solutions can be accessed via the web, mobile devices, ATM and in-branch.

Active in Europe, North America and Africa, we continue to expand, both directly and in partnership with leading global organisations. In 2015, we processed in excess of £300 million worth of transactions internationally.

We believe in journeying together and co-innovating, to strike a balance that harnesses possibility and realises a more connected future.

The Leadership Team

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Our world-class Leadership Team draws on decades of senior experience in financial services and technology, driving the business and shaping the future of FinTech.

We bring together an in-depth knowledge of banking, retail, payments and loyalty, and we are proud of PCT’s innovative technology and the desire of the people in the business to constantly look for ways to innovate. The company is focused on growth and the Management Team is committed to leading and shaping the future of the industry.

Get to know our senior leaders in their own words and discover what drives them.

Ian Clowes - CEO

Founder and CEO of Payment Cloud Technologies (PCT), Ian is a seasoned entrepreneur, and before starting his own company 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.

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Mike Peplow - Deputy CEO & Chief Commercial Officer

Mike Peplow is Deputy CEO & Chief Commercial Officer at Payment Cloud Technologies. 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 has successfully led multiple strategic acquisitions during his time at Privot Giro (Sweden), ManTech (UK) and Beta Systems (Germany) to accelerate growth, secure market share and broaden product portfolios. Mike also has a broad range of business management experience including financial control, sales and marketing, operational delivery and HR.

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.

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Gary Thorneycroft - Chief Financial Officer

Gary Thorneycroft is CFO at Payment Cloud Technologies. Having qualified as a Chartered Accountant in 1987, Gary spent 21 years in practice and has extensive expertise in all aspects of audit, accounting, taxation and management consultancy specialising in the SME sector.

Gary has also served as a quasi FD to a number of start-up businesses and more mature companies across number of industry sectors. During his career, he led the Corporate Finance department of a medium sized accounting practice and successfully took a company to the OFEX market, raising over £1m.

Through his contact with the South-East Growth Fund, Gary joined PCT in 2008 as one of the first directors and shareholders. His responsibilities cover all aspects of accounting, audit and taxation for all PCT group companies. Gary is also a non-executive director of Travel Welfare Ltd and quasi Finance Director of Change Account Ltd.

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Clinton Browne - Chief Technology Officer

Clinton Browne is CTO at Payment Cloud Technologies. Clinton has an extensive background in enterprise systems, architectural design, cloud computing and web & mobile development, and he is passionate about technology, innovation, delivering high quality services & products, and building successful solutions.

Clinton has over 20 years of IT experience working in enterprise organisations focusing on software development, more than half of which has seen him lead successful technical teams. This includes heading up the Global and Mobile Development Team for Electronic Arts, the worlds’ largest global gaming company.

As an effective leader, capable of cultivating a high-performance culture across global players, he is able to communicate effectively both to external customers and at all levels across the organization.
Clinton obtained a Master’s in Business Administration (MBA) from the Open University with emphasis in Technology Management and Information Technology in 2016, and has been pursuing academic studies for over 12 years. Clinton’s professional qualifications include: MBA (Technology Management), BTech (Hons), BSc (BIT), ITIL® (Expert), MSCD & MCP.

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Rob Liddell - Programme and Delivery Director

Rob Liddell is Programme and Delivery Director at Payment Cloud Technologies. Before joining PCT in 2014, Rob worked as a senior consultant in computer aided design for offshore oil platforms, before becoming Technical Director of a highly successful Digital Document Management startup, where he oversaw delivery of systems to major companies including London Underground and Vickers Shipbuilding.

Rob has 20 years’ experience in the Fintech industry, developed during his time as a Project Director and working in Research & Development for Banctec. Since joining PCT in 2014, Rob has been responsible for the development of the bank.VISION product suite and in particular, its deployment to PCT’s first bank.VISION customer, An Post.

Rob holds a first-class honours degree from Imperial College London and is a Chartered Engineer.

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Speak to one of our experts about our digital banking and payment solutions

THE PCT HUB – The latest news and expert opinions on all the important issues within the industry

Latest video

An Post – Finding the perfect FinTech partner

An Post is Ireland’s largest postal services provider. As one of the biggest commercial organisations in the country, its services encompass mailing, communication and retail for 1.7 million weekly customers nationwide.

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Latest news

Omnio Group shortlisted in the Card and Payments Awards

Omnio Group, Wirecard and Change Account nominated for ‘Social Inclusion in Financial Services’
Omnio Group (formerly PCT and Tuxedo Money Solutions), Wirecard and Change Account are contenders for taking the crown for ‘Social Inclusion in Financial Services’ at the 2019 Card and Payments Awards.

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Latest in the media post


Monmouthshire Building Society among the first to deliver digital current account services powered by Omnio

Unisys is delivering online banking to MBS through its omnichannel banking platform, Elevate™. Launched last year, this is a dedicated financial services platform for institutions of all sizes, providing a range of services, including the origination of mortgages, loans, savings and current accounts regardless of touchpoint; from mobile banking, internet, branch or contact centre.
Omnio plays an integral role in the Elevate ecosystem, supporting the platform’s current account capabilities that are being harnessed by MBS.
Thanks to this service from Omnio and Unisys, MBS will be one of the first building societies in the UK capable of delivering seamless digital current account services across multiple channels on a cloud based platform.

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