Welcome to Fintellity

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Telling you about your Finances

Disposable income is at the forefront of user spending and having this data in one place enables consumers to budget and spend within their means, preventing debt and ultimately resulting in a better Financial Profile. Consumers can access TELLI and view:

  • Total income
  • Total outgoings
  • Disposable Income
  • Recommended spending budget
  • Spending activity
  • Tips on spending, saving, and budgeting

To find out more, take a look at TELLI.

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Available on the Apple store soon!

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Netting your payments

QR Code payments are an Alternative Payment Method to card processing using Open Banking rails with Faster Payments (FPS) to process direct bank transfers from Consumers to Merchants. Whether yours is an independent business, growing franchise, large corporation, or a side hustle, the benefits include:

  • instant settlement
  • no chargebacks
  • reduced fraud levels
  • no hardware costs
  • no card processing fees
  • and ultimately resulting in easier reconciliation

To find out more, take a look at NETTI.

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FINITI Payments Solution

Scaling your funds with I.T

One API integration provides all three solutions.

  • Payments
  • Affordability
  • Know Your Customer (KYC)

Instant bank to bank payments help to minimise fraud, have zero chargebacks, and remove the need for hefty card processor fees.

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FINITI Affordability Profile

Scaling your funds with I.T

One API integration provides all three solutions.

  • Payments
  • Affordability
  • Know Your Customer (KYC)

With no footprint left on the consumers credit report, our Affordability profile provides accurate and verified data using our unique algorithm to help the consumer make better financial decisions and stay in control of their finances.

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FINITI Know Your Customer (KYC) checks

Scaling your funds with I.T

One API integration provides all three solutions.

  • Payments
  • Affordability
  • Know Your Customer (KYC)

Our fast, seamless and friction free AML solution will help you to verify customer identity in seconds without the need for any documentation. Fully compliant, this solution reduces the risk of fraud to business.

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Business Portal

Within the Portal, Merchants can view and query transaction history, filter and search based on specific transaction properties, and manage the status of each transaction type.

Reports can be run and exported, which can help with reconciliation purposes.

Merchants who have signed up for NETTI, will have access to the QR functionality to generate and run payments.

WealthTech & HealthTech

Using our unique Affordability algorithm and data direct from the customers bank account, we provide a fast and accurate check. We verify the account and transfer funds immediately for a quick, friction-free experience.


Our compliant and regulated affordability and KYC checks provide you with the knowledge that you are safe in our hands. Direct bank to bank payments save money on costly card fees and means that funds can be instantly accessed, so your customers can stay in the game.


One simple integration to our product suite will provide you with the tools you need to remove chargebacks and minimise fraud. Our fixed rate fees for all transactions are guaranteed to be cheaper than card processing.

Credit & Lending

Using our product suite, we provide you with instant credit checks. No more waiting on slow, labour intensive processes. We provide you with verified financial data in real time so that you can make an instant informed decision on your customers acceptability.


We provide you with verified financial data in real time to make tenant referencing a quick and painless process. Slow decision making can be a thing of the past, and with deposits and rent being made instantly through bank to bank transfers, keys can be handed over to happy homemakers in no time.

High Street

Remove the need for card networks and hardware and eliminate chargeback fees! Using our direct bank to bank payment method means you can get your funds instantly in a friction-free customer journey.

Our Products

Our Products

Products and solutions to help businesses and consumers make the most out of their finances

Welcome to Fintellity

Tackling the cost-of-living crisis for businesses and consumers

Fintellity is tackling the cost-of-living crisis with our suite of socially responsible finance products. We are a team with over 30 years experience working in FCA regulated payment institutions. We are an intelligent, honest, ethical and socially responsible tech team working for both the business and the consumer, on a mission to make financial knowledge and management accessible and inclusive for everyone.

0 Years of experience

About Us

Our leadership team

With over 30 years experience working together in FCA regulated e-money payment institutions based in Cambridge (UK), we have specialised in high-risk sectors across Europe and the US. Experienced in designing, building, and running highly available, highly secure, cloud-based financial products, including pre-paid cards system, and card issuing and acquiring platforms.

Shardai Cosgrove

CEO, Founder

Suzi Jones

COO, Founder

Matt Johnson

CTO, Founder


We are here to make lives easier, and that starts with our team. Creating the right work - life balance is hugely important to us and we work very hard to make sure our team is happy.


Press & Blogs

Keeping you up to date with our latest blogs, Fintellity in the press and any relevant fintech news.

2022 September

Fintellity are selected for the Tech Nation Libra 2.0 cohort

We are thrilled to be working with Tech Nation for a second time. This time as part of their Libra 2.0 Accelerator programme. We are excited to have the opportunity to learn from our peers and scale our business.

2022 August

Fintellity Features...Part 6: Side Hustles

In this blog we will look what the hype is all about and whether it’s something you should consider trying.

2022 July

Fintellity are selected for Barclays Accelerator Programme

We are delighted to have been selected for this year’s Barclays Black Founder Accelerator Programme. This 12-week programme has been designed to help Black founder-led businesses accelerate and grow. We are excited about our future as we continue to advance and expand.

Join our team

Current opportunities

All positions are currently filled, but we would love to hear from you if you are interested in joining our mission in the future.

Just drop us a message!


Fintellity works with a range of organisations and charities to provide the best service for our customers whilst maintaining our affordability ethos. From delivering services, to learning and tackling problems together, the relationships we form are an important part of our business.

We are currently working with the following teams to ensure our products have the customers safety and wellbeing in mind through all stages of development:


Contact Us

If you would like to understand more about how Fintellity can help you or your business, please get in contact.


2 Frederick Street, Kings Cross, London, WC1X 0ND

Email Address