is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS 50K MAX DEPOSIT WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC E APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE AUG 2016 JAN 2016 Feb 2015 APR 2017 A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LICENCE WITH RESTRICTIONS WE ARE HERE
is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS 50K MAX DEPOSIT WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC E APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE JAN 2016 Feb 2015 APR 2017 A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LICENCE WITH RESTRICTIONS WE ARE HERE AUG 2016
is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS 50K MAX DEPOSIT WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC E APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE JAN 2016 Feb 2015 APR 2017 A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LICENCE WITH RESTRICTIONS WE ARE HERE AUG 2016 INTERNAL TEST CARDS
regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS 50K MAX DEPOSIT WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC E APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE JAN 2016 Feb 2015 APR 2017 PREPAID CARD LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LICENCE WITH RESTRICTIONS WE ARE HERE AUG 2016 INTERNAL TEST CARDS
regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS 50K MAX DEPOSIT WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY JUN JUL MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC E APPLICATION APPLICATION MOBILISATION LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE JAN 2016 Feb 2015 APR 2017 PREPAID CARD LAUNCH LICENCE WITH RESTRICTIONS WE ARE HERE A UK banking licence is authorised by the PRA and regulated by the PRA and FCA1, allowing deposit- taking and balance sheet lending. Once granted, it allows firms to passport across Europe, accessing This is followed by a “mobilisation” phase during which final capital is raised and IT systems are completed, before launching to the public. We received a UK banking licence in August 2016! FEB 2015 JAN 2016 JAN 2017 MAR FEB FEB APR MAR MAR APR MAY APR JUN MAY JUL JUN AUG JUL SEP AUG NOV SEP DEC NOV DEC PRE APPLICATION APPLICATION MOBILISATION LICENCE WITH RESTRICTIONS WE ARE HERE AUG 2016 INTERNAL TEST CARDS
Technical debt is a useful tool. Solve problems at the root. Do not accept deviant system behaviour. Write code to be read. Write code to be debugged. If you can’t show it’s a bottleneck, don’t optimise it. Unblock others whenever you can. Leave the codebase better than you found it.
Technical debt is a useful tool. Solve problems at the root. Do not accept deviant system behaviour. Write code to be read. Write code to be debugged. If you can’t show it’s a bottleneck, don’t optimise it. Unblock others whenever you can. Leave the codebase better than you found it.
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