ABOUT US
Welcome to Peymo
— the next-generation AI-powered financial infrastructure platform accelerating the evolution of digital finance through modular technology and intelligent automation.
About Peymo
Peymo is developing next-generation financial technology infrastructure powered by advanced artificial intelligence. The platform is designed to enable seamless digital finance solutions with high levels of automation, security, and scalability.
By combining intelligent system architecture with machine learning, Peymo empowers businesses to build and grow financial solutions faster while dramatically reducing operational cost and complexity.
Our History
Peymo began with a simple idea—financial technology should be intelligent, efficient, and fully adaptive. Traditional systems are slow, expensive, and fragmented. We set out to solve this by engineering a modular financial infrastructure powered by AI decision-making, automation, and data intelligence. Over time, Peymo has evolved into a powerful platform that brings together financial workflows, data processing, identity intelligence, and operational optimisation inside one cohesive system.
Our team brings deep expertise across fintech engineering, AI automation, secure financial architecture, and scalable platform development. This foundation allows us to continuously push beyond conventional fintech limitations and build a smarter generation of financial infrastructure.
Our AI-Driven Vision
We believe financial technology should think. Our vision is to reshape the future of digital finance using AI as a strategic driver. Peymo is built as an AI-first platform, designed not only to automate processes but to learn, adapt, and optimise continuously.
AI at Peymo is embedded across the entire platform—from lead generation and onboarding intelligence to dynamic risk analysis, AML pattern detection, transaction surveillance, fraud prevention, behavioural analytics, and financial routing optimisation. Our AI also assists in product development, code generation, testing, marketing efficiency, and customer retention—making Peymo faster, smarter, and more scalable with every iteration.
Our Mission
Our mission is to create intelligent financial infrastructure that accelerates growth and unlocks new opportunities for businesses. Peymo reduces complexity by combining AI-driven automation with configurable financial modules that integrate effortlessly. This unlocks massive operational efficiency, reduces cost-to-serve, and enables rapid time-to-market for financial products.
We focus on high performance, security, and long-term scalability. Every part of Peymo is engineered to drive measurable impact—higher margins, faster activation, reduced risk exposure, and smarter financial decisioning powered by real-time AI intelligence.
Our Evolution
We believe financial technology should think. Our vision is to reshape the future of digital finance using AI as a strategic driver. Peymo is built as an AI-first platform, designed not only to automate processes but to learn, adapt, and optimise continuously.
AI at Peymo is embedded across the entire platform—from lead generation and onboarding intelligence to dynamic risk analysis, AML pattern detection, transaction surveillance, fraud prevention, behavioural analytics, and financial routing optimisation. Our AI also assists in product development, code generation, testing, marketing efficiency, and customer retention—making Peymo faster, smarter, and more scalable with every iteration.
THE TEAM
Led by executives behind Apple, Google, Amazon, PayPal, Unilever, and Europe’s first EMIs — Peymo’s Team unites regulatory trust, AI innovation, and cross-border fintech scale.
Tomas Bartos, Director - CEO
Tomas brings over 25 years of international experience in legal and financial structuring, specialising in fintech, regulatory compliance, and blockchain advisory. He has held senior roles in investment and technology groups, including DTLG Fund, Logica PLC, and NTT, where he developed expertise in private equity, enterprise consulting, and cross-border telecom operations. His career spans Europe, the US, and Asia, combining institutional governance with entrepreneurial drive and advising on fund structuring, digital transformation, and regulated financial frameworks. At Peymo, Tomas oversees overall strategy and legal affairs.
Peter Jaegarstierna, Director - COO
Peter is a recognised FinTech pioneer and seasoned C-suite executive with 15+ years in payments, compliance, and regulated financial services. As one of the first executives at a European EMI, he managed large-scale licensing, operational risk, and KYC/AML frameworks across multiple jurisdictions. Beyond fintech, he expanded retail to over two dozen outlets in Sweden, led Baltic market entries, and contributed to consumer M&A transactions with global leaders such as Unilever. At Peymo, Peter oversees Operations, Risk Management, Licensing, and Compliance infrastructure, providing the regulatory backbone for safe and scalable growth.
Martin Hopper, Director - CFO
Martin is a FinTech pioneer and financial strategist with deep expertise in UK administration, financial intermediation, and EIS/SEIS fundraising structures. Active since the early wave of UK digital finance, he has supported multiple growth-stage firms with financial modelling, capital structuring, and licensing applications, including cross-border projects spanning Europe and the Gulf region. He has advised on international asset structuring, investor reporting, and milestone-based fund allocation, giving him unique insight into how to balance regulatory compliance with entrepreneurial agility. At Peymo, Martin leads financial strategy, budgeting, and reporting, ensuring that capital is deployed effectively and transparently to maximise investor value.
Patrick Hames, CMO
Patrick is a UK veteran in capital raising, enterprise sales, and digital strategy, with senior leadership roles at BT, Verizon, and Southwestern Bell. Over his career, he has led multi-million-dollar revenue initiatives, built global sales teams, and executed digital transformation projects for some of the world’s largest telecom groups. He has also advised high-growth startups on fundraising and go-to-market strategies, bridging the gap between early-stage innovation and corporate-scale execution. At Peymo, Patrick drives investor outreach, growth marketing, and strategic partnerships, positioning the company’s brand to attract both institutional investors and mainstream customers.
David Williams, CTO AI Master
Silicon Valley veteran and former engineer at Apple, Google, Amazon, and PayPal, David brings world-class AI and machine learning expertise to Peymo. With an engineering master's from MIT and a mathematics background from UC Santa Cruz, he also built breakthrough AI systems used globally for automation, risk intelligence, and user experience. At Peymo, David leads the development of next-generation AI modules powered by Large Language Models (LLMs) to efficiently automate complex financial tasks, ultimately empowering Peymo to handle billions of secure transactions worldwide.
Peter Keller, Head of PR and Marketing Strategies
Peter is a strategic communications veteran with expertise in brand positioning and international market development. His career with British Airways during its privatization under Prime Minister Margaret Thatcher honed his skills in transformation narratives. As founder of Starlite Pictures, he built partnerships across Prague, Los Angeles, and New York, collaborating with Guillermo Del Toro and Pierce Brosnan. As Vice President of the European Association of Producers, he developed industry advocacy expertise. At Peymo, Petr leads PR and marketing, managing investor relations, and building brand credibility in regulated markets.