ABOUT US
Hey There!
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.
UNIQUE FEATURES OF PEYMO
Peymo stands out in the FinTech landscape as the world’s only complete multi-hybrid SaaS platform, uniting advanced AI, traditional finance connectivity, and next-generation digital technologies under a single modular framework. This unique integration delivers unparalleled efficiency and flexibility, making Peymo a one-stop technology layer for enterprises and institutions seeking to scale their financial services.
Modular Integration
Our platform seamlessly connects licensed providers with modern fintech innovations — including AI onboarding, compliance automation, crypto connectors, and Web3 modules. This modular approach gives businesses unmatched flexibility and fast deployment at low cost.
Flexibility and Scalability
Peymo’s multi-hybrid SaaS architecture is designed to scale. From payment gateway connectors and card program APIs to AI risk analytics and Web3 features, clients can choose only the modules they need, then expand as they grow.
Ease of Deployment
With AI-powered KYC/AML onboarding and low-code integration, Peymo enables businesses to embed new digital services in weeks instead of months. Our platform is enterprise-ready, user-friendly, and built to simplify complex integrations.
Radical Cost Efficiency
AI-driven automation reduces client acquisition costs (CAC) and operational expenses by up to 70%. By consolidating multiple services under one SaaS framework, Peymo enables businesses to launch faster, operate leaner, and scale profitably.
Market Readiness
The timing is ideal: the global fintech market is projected at $1.1T by 2032, with AI in finance growing at 22% CAGR and embedded finance reaching $7.2T by 2030. Peymo is positioned at the intersection of these booming sectors — ready to capture demand.
White-Label & Vendor-Agnostic
All Peymo modules can be deployed as white-label solutions, allowing clients to brand, configure, and integrate the platform into their own environments. Our vendor-agnostic design ensures full flexibility to fit local conditions and business needs.
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.
Jiri Fiala, CTO Tech Master
Jiri is a systems architect and core banking innovator with over a decade of experience in banking and blockchain infrastructure. He authored the banking codebases powering IndigiLabs and IKAR, platforms known for enterprise-grade transaction routing and secure wallet integrations. His expertise spans backend architecture, API integrations, and distributed ledger technology, with a strong track record of delivering scalable, resilient systems to financial institutions. At Peymo, Jiri leads the technology backbone, ensuring the hybrid banking platform meets complex compliance demands while staying flexible enough to integrate next-generation AI modules.
Carmen Franco, Chief Strategy & Digital influence
Carmen is a globally connected media innovator and entrepreneur uniting entertainment, technology, and culture. Based in Monaco, she co-founded the Monaco Streaming Film Festival and the Metaverse Entertainment World Summit & Awards, linking Hollywood creators, tech leaders, and next-gen innovators. Passionate about storytelling and digital engagement, she has built collaborations with major entertainment networks, luxury brands, and tech platforms. At Peymo, Carmen leads strategy, brand positioning, and ecosystem growth, strengthening global presence and partnerships while ensuring all technology and innovation remain led in-house for full control and compliance.
David Williams, AI Master - Machine Learning Visionary
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.