Paul Swinton

18 years is a long time in the sphere of fintech. When B4B Payments was founded back in 2006 in the aftermath of the dot-com bubble, the term ‘fintech’ harked to some uncertain, technologically advanced future – not the regulated, high-investment industry we have today. 

But here we are, and here B4B still stands. Not that the fintech’s Co-founder and Executive Chair, Paul Swinton, could have ever envisaged the journey B4B has been on to become the fast-growing B2B banking-as-a-service (BaaS) powerhouse it is today. 

Indeed, B4B entered the market with a consumer prepaid card programme, which, for Swinton, represented a first foray into finance altogether. 

He says: “My business partner and I at the time, Rob Anderson, came out of a consulting background doing big Enterprise Resource Planning (ERP) implementations.

“So I knew a lot about IT integrations and not very much about finance, funnily enough. But a friend of ours got us interested in prepaid card programmes, and that’s how the business got started.”

B4B has certainly been on a transformative journey since. “We’ve gone from being a consumer card offering to having a focus on business solutions, business payments and e-money accounts,” Swinton adds.

“Now we're into global payments in FX and manage business sponsorships for third parties and other partners. So we've definitely grown from being a very consumer-centric prepaid card into the full stack BaaS provider we are today.”

Read the full story HERE.

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