CTO, Fintech Strategist & Builder of Real-Time Solutions
I’m Andy Yardley—a fintech leader with a passion for transforming complex ideas into real, scalable solutions. With over 15 years at the cutting edge of financial technology and digital transformation, I’ve helped businesses of all sizes redefine how money moves and operates in today’s digital world. From leading engineering teams at Mastercard and Fiserv to building decentralized payment systems and Open Banking platforms, I bring a uniquely practical perspective to the challenges of modern finance.
My career has taken me through every corner of fintech: real-time systems for gaming giants, payment platforms for small businesses, and robust digital infrastructures for corporate fintech. I’ve driven innovation for startups and scaled established brands, specializing in the intersection of regulatory compliance, customer experience, and high-performance technology.
My Approach: More Than Consulting
I don’t just strategize; I build. My work isn’t about passing down plans from the ivory tower—it’s about getting into the trenches with my clients, designing solutions that last, and refining them through constant feedback and improvement. Every project I take on is a collaboration, with a focus on delivering tangible outcomes at every stage of growth.
Core Expertise
Real-Time Systems: From gaming to fintech, I’m skilled at designing and scaling platforms where performance and user experience need to be seamless and instantaneous.
Open Banking & Decentralized Payments: I’m dedicated to the new frontier of payments—building low-cost, secure, and user-friendly solutions that make transactions accessible for all.
Strategic Transformation: Leveraging technology to create resilient, future-ready businesses through agile processes, smart scaling, and purpose-driven team leadership.
Regulatory Compliance: Navigating complex regulatory environments without sacrificing innovation, ensuring solutions align with standards like PSD2 and FIDO.
What Drives Me?
I believe in the power of technology to simplify, to connect, and to empower people. Building scalable, accessible financial solutions is about creating a world where finance isn’t a barrier, but a bridge. Each project is an opportunity to push the boundaries of what’s possible in fintech and to make a lasting impact on how we interact with money.
Let’s Connect
If you’re looking to build the future of finance, let’s talk.