Helping businesses build through the journey.
We've been fintech product builders for two decades — through every cycle, every hype. From boardrooms, to backlogs, to product launches and back. Kanban, scrum, waterfall, prompt-driven — we speak every language and know what works. And what doesn't.
Build more, manage less.
Lead
When the product question is the bottleneck. We take the seat, set the direction, and stay accountable for what ships.
We take the CPO seat, own the roadmap, and operate as a full member of the leadership team. Embedded and accountable — not an outside voice.
Where to play, what to build, how to win. We define a product direction connected to business outcomes — then make sure the organisation can execute it.
Finding the right problem before building the wrong solution. Structured research, hypothesis testing, and competitive analysis — before a line of code is written.
Broken process kills good products. We design and implement the operating model that lets teams move fast, make good decisions, and ship with confidence.
The right structure is as important as the right strategy. We help design product organisations that scale — roles, reporting lines, and the ways of working that hold it together.
Build
When the product needs to actually exist. We build what we plan — in regulated markets, with senior operators only.
From blank page to launched product. Done at a digital bank, a US neobank, and across crypto and SME fintech. We know how to build in complex, regulated markets.
Card programs, fiat rails, lending platforms, embedded finance, crypto on/off ramps. Built and scaled across the US, Europe, and SEA. We know the infrastructure, the regulators, and the operational realities.
We identify where AI creates real product leverage — automating workflows, building agentic systems, embedding AI into the development process. We build with it, not just talk about it.
Scale
When the product works and the company hasn't caught up. We build the team and the launch.
Built teams from zero to twenty-plus across multiple markets. We know what good looks like at every stage — and how to get there fast.
A great product nobody uses is just a prototype. We define the go-to-market approach and execute it — segments, channels, pricing, launch. Done across SEA, US, Europe, and LATAM.
Most fintech problems aren't problems in the parts — they're problems between the parts. That's where we work.
The output is always a shipped product — not a deck. We delivered means customers are using it.
Where AI creates real product leverage, we use it. Agentic workflows, embedded in the build. We build with it, not just talk about it.
Every credential was early — mobile banking pre-smartphone, P2P, neobanks, crypto, agentic AI.
We know card programs, fiat rails, lending, on/off ramps. The regulators, too.
Builders, not bankers. We think great financial products should be accessible to everyone.
Two decades shipping at the frontier.
Jon Woods has built and shipped financial products across every major fintech cycle — mobile banking before smartphones, P2P lending, neobanking, crypto, agentic AI. Always as the person responsible for the product.
A self-confessed fintech geek, driven by a belief that great financial products should be accessible to everyone — not just the privileged few.