Michael set up Form3 after spending more than 25 years in executive positions with Deutsche Bank, Royal Bank of Scotland and Barclays. Most recently, he was Global Head of Cash Management and a Member of the Corporate Banking Executive at Barclays, where he had responsibility for the product management and distribution of the bank’s payment, corporate deposit and customer access products.
For many years Michael has been passionate about driving digital change and innovation in global banks and has sponsored many key initiatives in this area, including white-labeling, biometric security, and mobile payment/banking technology.
Michael holds a degree in Organisational Psychology and a Master of Business Administration from INSEAD.
Form3 was established in 2016 by four banking and technology leaders with a single purpose – to transform outdated, complex and costly payments infrastructure to a modern, cloud-native, real-time Payments-as-a-Service. Since then we have made enormous steps in opening up access to payment schemes for the global financial community, enabling them to scale and optimise their business operations through advanced payment technology.
We provide Banks and regulated Fintechs across the globe an end-to-end managed payments service that delivers complete payment processing, clearing and settlement to the universe of payment schemes through a single API. Our platform handles everything so you can focus more on serving your customer’s needs and less on managing payments infrastructure.
Form3’s platform is cloud-native and built from scratch. It has been designed for the modern, digital era and favours open source collaborative development and the Unix philosophy of small composable modular architecture, (microservices) which we automate full stack tests against. Every single piece of the platform is managed using infrastructure as code.
Benefits of the platform
Gain exact insights to the costs attached to processing and stop getting unwelcome surprises
Move money instantly
Get access to the instant payment schemes you need to conduct business
We don’t just give you the technology; we deliver a service that enables your business to grow and succeed
Stay up to date
We do the technical integration, automated scheme, and regulatory updates so you don’t have to. It’s all built into the platform.
Our platform is multi-tenanted which means you benefit from economies of scale; a single platform that’s always on and always updated.
Award winning technology
Form3 has been ranked in the Top European Fintechs to watch in 2020 by Sifted and in 2019 by Fintech 50. Form3 was named Best Digital Innovation by Bobs Guide in 2019, nominated for the London Business Awards and runner up in the British Bank Awards for Best Technology Partner.