Pennyworth mission

Banking is broken. Our mission is to fix it.
Most people get poor value and
impersonal service from their bank.
We are remaking banking for the twenty-first century. 
Because we believe banking is socially valuable
but needs renewing. 
To help people turn goals into financial actions. 
So they can aspire to and focus on the
important things in life.

Led by proven bank builders

The founders of Pennyworth left careers at Barclays Bank
to create a new model of banking. A digital bank
designed for humans, by humans and with humans. 

Jeremy Takle

Co-Founder and CEO

Ben Harvey

Co-Founder and CPO

Jeremy has been building banks globally for over 20 years. Prior to Pennyworth, Jeremy was Managing Director of Barclays Digital Consumer Bank, a US challenger bank he formed in 2016. Before that he was a member of Barclays UK Management Committee and led Barclays Consumer Lending to become the UK’s largest digital lender. Jeremy was CFO and later CMO for Barclays Europe. He built a de-novo bank in Indonesia and launched credit-card bank EnterCard in the Nordic Region. Most recently he was advising Swedish fintech Klarna on banking strategy.

Ben has 18 years of experience building and managing banking products globally. Prior to Pennyworth, he was the Head of Branded Cards and Loans in the US where he built the digital personal loans business from MVP startup to a scale prime-market lender. He was Commercial Director of Barclays Mortgages and before that Barclays Consumer Lending, transforming it into the UK’s largest digital lender. He was a member of the executive team that successfully grew EnterCard from start-up to a highly profitable business. Latterly he was advising fintechs Oakbrook Finance and Aire on product strategy and execution.

In stealth we’ve assembled a first class team of experienced technology, risk, finance, marketing, decision science, operations and control leaders, that have successfully built banks together before.

Our growth partners: