Morgan Stanley appoints Angela McCann as Head of Glasgow office
Morgan Stanley today confirmed the appointment of Angela McCann as Head of Glasgow
In her new role, Angela will be responsible for overseeing Morgan Stanley’s Glasgow office, which supports a wide range of business functions and plays a key role in Morgan Stanley’s global operations. Having joined Morgan Stanley in 2006, she brings over two decades of experience across a broad range of Finance leadership positions.
In addition, Angela will continue to serve as Head of Glasgow Finance, a role she has held since 2022. She is also a senior champion of Morgan Stanley’s socio-economic inclusion strategy and serves on the Firm’s EMEA Inclusive & Sustainable Ventures Committee.
Angela McCann, Managing Director and Head of the Glasgow office, said“Glasgow has been an important part of my career, and having grown up in Scotland, it is a real privilege to take on this expanded role. The office plays an important role in supporting Morgan Stanley globally, and I look forward to building on the strong foundations already in place while continuing to invest in our people and the local community.”
Angela’s 20-year career with Morgan Stanley includes nine years in New York, where she held senior Finance roles and led key strategic initiatives within Corporate Tax.
Prior to joining Morgan Stanley, Angela worked for six years in financial management roles within the telecommunications sector across several international locations including the Philippines, Taiwan, Atlanta and Seattle. She is also a Chartered Certified Accountant (ACCA).
NatWest becomes first UK bank to launch home-buying guidance in ChatGPT
Users can now explore buying or re-mortgaging options within one of the world’s most used AI platforms.
On 30 April, NatWest Group has announced that it has become the first UK bank to offer an app in ChatGPT, providing NatWest-specific home-buying and re-mortgage guidance. This marks a new way for consumers to access trusted information and begin their home-buying journey and is an important step as NatWest continues to invest in technology and AI to meet customers’ evolving needs.
NatWest now appears in the ChatGPT app store alongside well-known platforms such as Rightmove and MoneySuperMarket. This means customers and non-customers can add and tag the bank in a query to receive NatWest‑specific mortgage and home‑buying guidance without having to leave the platform. Users will then be signposted to NatWest-owned channels to take the next steps, including to access specialist advice, appointments for colleague support or digital mortgage applications.
Consumers can explore their mortgage options and support decision-making in a more personalised way, with ChatGPT drawing on publicly available NatWest APIs to calculate how much they could borrow, test affordability and deposit scenarios, and receive tailored mortgage rates. By sharing details such as their income and monthly outgoings, users can receive responses grounded in real numbers, returning to the conversation later as their circumstances or questions evolve.
Conversations within the app are clearly branded as NatWest, so customers understand when they are receiving responses from the bank.
Solange Chamberlain, Retail CEO, NatWest Group said: “As technology and AI open up new ways for people to access information and think about their finances, NatWest is focused on meeting customer needs by showing up in the right places at the right time.
Buying a home is a major financial decision, and we want to support those early mortgage planning conversations wherever they may take place. By bringing trusted NatWest mortgage guidance directly into ChatGPT, we’re giving consumers more choice in how they explore their options in a more personalised and accessible way.”
NatWest continues to transform the digital mortgage experience and currently leads the market with the largest flow of digital new business. This builds on its recent partnership and integration with Rightmove, that sees Natwest provide home buyers with an instant fully digital NatWest mortgage decision in principle when applying through Rightmove, enabling customers to then complete their full application online.
Modulr and Sardine partner to bring real-time, AI-enabled fraud detection to automated payments
Sardine, the leading agentic risk platform to fight financial crime, today announced a partnership with Modulr, the payments automation platform built to scale. Through the partnership, Sardine will support Modulr with a suite of integrated fraud and anti-money laundering (AML) solutions.
The integration, as part of Modulr’s broader investment in financial crime and risk management capabilities, enables Modulr to leverage Sardine’s platform to detect and stop financial crime across card and real-time payment rails, while strengthening AML compliance and operational controls as the business scales. It is integrated into Modulr’s Risk & Compliance Hub – a connected set of tools and infrastructure that spans the entire customer lifecycle and is built to protect customers, reduce friction, and prevent financial crime.
Businesses are increasingly expected to move money instantly, yet many fraud and AML systems were built for slower settlement cycles and manual investigation workflows. By integrating Sardine’s risk platform directly into its payment infrastructure, Modulr is able to leverage the latest technology to prevent and manage financial crime.
“Real-time payments fundamentally change how fraud and AML needs to be managed,” said Soups Ranjan, CEO and Co-Founder of Sardine. “When funds move instantly, risk decisions need to happen just as quickly. Modulr’s platform delivers critical capability for automated payments, and we’re excited to help ensure those payment flows remain secure as they scale.”
“For Modulr to provide our customers with the ability to run mission-critical finance operations accurately and at scale, we need strong compliance that gives peace of mind without adding friction – which is why we are partnering with tools like Sardine, and building a Risk & Compliance Hub that monitors every step of the customer journey to prevent financial crime,” said Ben Taylor, Chief Operating Officer at Modulr. “For our customers, that translates to streamlined and low-friction onboarding, a better money movement experience, and crime prevention infrastructure that keeps pace as their business grows.”
Modulr’s payments automation platform streamlines money movement with greater accuracy, control and reliability – built to scale and powering use cases across payroll, supplier payments, lending, and travel. Sardine backs that network with a track record of protecting over $1T in transaction volume across a global customer base of enterprises and financial institutions. Sardine also operates the fastest growing fraud data consortium, spanning more than 5.5 billion devices, 670 million consumers, and 2.8 million businesses. By protecting funds across some of the highest risk industries in financial services, Sardine gains early visibility into emerging fraud patterns. That intelligence helps Modulr’s customers stay ahead of evolving threats.
Glimzer x Sprint Enterprise: a live data feed for UK financial advice firms
By Glimzer and Sprint Enterprise Technology
Every UK financial advice firm faces the same problem. Client information sits in one system, while plan and valuation data sits in another. Keeping them in sync leads to manual data entry, duplicated work, and advisers switching between logins to find what they need.
We’ve teamed up to address this.
From today, Glimzer and Sprint Enterprise are connected by a live data feed via Sprint’s FINIO data hub. Financial advice firms can stop entering the same information twice, stop switching between systems for current valuations, and work from a single, up-to-date view of each client plan, with far less manual reconciliation.
The problem we’re tackling together
Ask any practice manager where their time goes and manual admin will be near the top. Plan valuations entered into spreadsheets. Provider data keyed into the CRM by hand. The same client details entered multiple times because different systems require them. Advisers logging into one tool to check a figure, then pasting it into another.
None of this is new. And none of it is really an adviser’s job. It’s what happens when systems that weren’t built to connect are expected to share client data.
The fix is simple in principle: connect the systems, let the data flow, and remove the need for manual workarounds. In practice, it requires two teams committed to building it properly. That’s what this partnership delivers.
What the integration does
FINIO is a data hub that provides a single integration point, covering multiple investment platforms – with data normalised, reconciled and enriched and acts as a conduit between software providers and financial advice firms. With this integration, that data now flows directly into Glimzer.
Advice firms can access the data they need without logging into another system, without relying on spreadsheets, and without uncertainty about whether the data is current.
Why we’re building this way
Glimzer’s approach to integrations is focused. We prioritise a small number of integrations that work well with high-quality partners, rather than building a long list that only partially works. The teams we integrate with need to share our focus on reliability, responsible data handling, clear support, and delivering real value to UK financial advice firms.
Sprint Enterprise Technology, the team behind FINIO, fits that approach. Their data hub is widely used across the UK advice market, and a data feed like this requires a partner who will build and support it properly. Working with Gary, Emma, and the wider Sprint team has been straightforward from the outset.
A bit about FINIO
FINIO is built by Sprint Enterprise Technology. It sits between UK investment platforms and the tools financial advice firms use, consolidating plan and valuation data from multiple providers into a single feed. Firms using FINIO benefit from one source of data that is normalised, reconciled and enriched that would otherwise need to be gathered from each platform separately.
A bit about Glimzer
Glimzer is a CRM and practice management platform built specifically for UK financial advice firms. The aim is simple: give firms their time back. Less admin, more time with clients. It’s built in the UK and designed around how advice firms actually work.
What Tom says
“Manual admin is one of the biggest time drains in any UK financial advice firm. Duplicate data entry, switching between systems to find a single number, and maintaining records manually all add up. Every hour spent on this is an hour not spent with clients. Partnering with FINIO was an obvious step. Dan, Gary, Emma, and the wider Sprint team have been great to work with and made the build process smooth.”
Tom Matthieson, Founder, Glimzer
What Gary says
“We’re pleased to welcome Glimzer into the FINIO ecosystem. We focus on working with partners who are building well-designed, practical tools for UK financial advice firms, and Glimzer fits that well. By connecting to FINIO, firms can access reliable, up-to-date investment data within their CRM, helping reduce manual work and improving day-to-day efficiency.”
Gary Shepherd, Business Development Director, Sprint Enterprise Technology
How to switch it on
If you’re a Glimzer customer already using FINIO, get in touch and they’ll guide you through enabling the feed for your firm.
If you’re a financial advice firm reviewing CRM options and want to see how Glimzer works, book a 30-minute call and they’ll walk you through it.
Atos UK&I joins FinTech Scotland as Strategic Partner to accelerate AI‑led fintech innovation and growth
FinTech Scotland today announced that Atos, a global leader of AI-powered digital transformation, has joined the Scottish fintech cluster as a Technology Strategic Partner, strengthening the cluster’s ability to drive collaborative innovation and growth.
Atos brings global scale with a strong UK presence to help create the conditions for faster innovation, secure scaling and economic impact across Scotland’s fintech community. Experts in Agentic AI, digital sovereignty and cybersecurity with a 60,000‑strong team worldwide, Atos provides end‑to‑end digital expertise across consulting, infrastructure, operations and optimisation, as well as integrated services across cloud, application services, smart platforms and the digital workplace.
This partnership strengthens the cluster’s momentum and the shared commitment to collaborative innovation that will shape the future of next-generation financial services. It takes our network to 37 Strategic Partners, building a world-class environment for fintech innovation and regional growth, at a time when Scotland’s fintech cluster has more than doubled in five years, from just over 120 firms in 2020 to more than 260 today, reinforcing its position as one of Europe’s most dynamic and collaborative fintech clusters.
Aleks Tomczyk, Chief Executive at FinTech Scotland, said: “This partnership with Atos strengthens our shared commitment to fostering innovation, collaboration and growth across Scotland’s fintech cluster. By bringing deep expertise in AI, data, secure cloud and digital platforms, alongside a strong global presence, Atos will enhance the support available to fintechs as they develop new solutions and build resilience, contributing to Scotland’s economic and societal progress.”
Simon Chandler, Head of Financial Services and Insurance, UK & Ireland at Atos said: “Atos is delighted to join FinTech Scotland to cement our investment in Financial Services in Scotland. We are excited to work in collaboration with the; FinTech SME community, Financial Services organisations, regulators, universities, and government by leveraging our leading Sovereign Agentic AI, Data, cloud and digital global expertise, underpinned by our unique Sustainability and Social Value commitments. We aim to drive Shared Value success for every part of this community to the betterment of this community and Scotland as a whole.”
The Tipton selects docStribute® to modernise member communications
docStribute® and the Tipton & Coseley Building Society partner to improve the firm’s communications and strengthen member engagement
docStribute®, a UK RegTech company specialising in regulated customer communications, today announces a strategic partnership with the Tipton & Coseley Building Society.
The partnership reflects the Tipton’s continued focus on personalised service, deepening member engagement and meeting the requirements of the Financial Conduct Authority’s (FCA) Consumer Duty.
A key priority for the Tipton is accelerating digital transformation, with the partnership forming part of a multi-year change programme to expand online services, enhance systems and create better retail and working environments.
Through the docStribute® platform, the Society wants to move towards an electronic-first approach for both regulated and general communications. It aims to reduce delivery costs, process important documents more quickly, and use less paper, thereby lowering the associated carbon emissions.
Beyond cost, efficiency and environmental gains, the partnership will help the Tipton in repositioning its regulated documents, so they are not just a compliance requirement, but an opportunity to engage with members.
By presenting information in a clearer, more accessible digital format for those who want it, the Tipton can build greater awareness and understanding within its membership. This in turn supports well informed financial decisions, in line with Consumer Duty expectations.
docStribute® enables the delivery of timely, relevant communications which are easier to access, read, and navigate. The result is improved engagement and measurable insight into how members interact with information, allowing the Tipton to continuously improve clarity and outcomes.
Central to this approach is docStribute’s AIDA, the Artificial Intelligent Document Assistant. Developed through docStribute’s participation in FinTech Scotland’s Financial Regulation Innovation Lab (FRIL), it enables recipients to interact with regulated documents in a conversational way, helping them navigate complex information, ask questions, and receive clear explanations in real time.
The platform can also incorporate supportive formats such as short video and enhanced visual layers to aid accessibility and comprehension. Together, these tools support financial literacy and stronger understanding, while ensuring communications remain compliant and appropriately governed.
The platform uses Distributed Ledger Technology to protect the integrity of customer documents and create a verifiable record of what information was sent and when. This ensures communications remain secure, accessible, and compliant with the FCA’s Durable Medium requirements, while providing the sender with greater visibility of engagement and understanding.
Chris Ansara, CEO of docStribute®, said:
“We are pleased to be working with The Tipton & Coseley Building Society. Building societies have always been rooted in trust and community. Our role is to help turn regulated communications into moments that strengthen that trust by making important information clearer and easier to engage with.
“With AIDA, and enhanced formats such as video, we are adding another layer that actively supports member understanding, not just delivery. This partnership brings our total building society partners to four and highlights the sector’s continued emphasis on improving customer understanding through stronger engagement.”
Richard Groom, Chief Customer Officer at the Tipton, added:
“We are focused on increasing the proportion of compliant digital communications we send as this brings multiple benefits to our business and members alike. Adopting an electronic-first approach, in line with members’ preferences, is another step towards modernising our Society and will improve the overall standard of service we offer.”
Finance and Health Lab National Conference to convene cross-sector leaders at The Edinburgh Futures Institute
FinTech Scotland today announced the Finance and Health Lab National Conference, on 19 March 2026, an invite-only national event bringing together leaders from financial services, health, academia, government and the innovation ecosystem to explore how Scotland can lead the next wave of progress at the intersection of health and financial wellbeing.
Hosted at the University of Edinburgh’s Futures Institute, the conference will showcase practical insights, emerging innovation, and opportunities for collaboration focused on challenges that matter in later life and beyond — including inclusive service design, strengthening financial resilience, and building trusted approaches to data.
The Finance and Health Lab is designed to accelerate collaboration across sectors, connecting partners to test ideas, generate evidence, and support innovations to move from insight to impact. The conference will share what’s been learned so far and set out the next steps for continued ecosystem action.
What to expect on the day
The one-day programme (10:00–16:00, arrival from 09:30) includes:
- A keynote and guided discussion on the future of financial health in an ageing society
- A research insight showcase on health–wealth dynamics in later life
- An industry panel on designing future-ready, inclusive financial services
- A startup showcase and demonstrator session featuring ventures from the innovation call
- A data proposition session exploring trusted, ethical pathways for financial-health data use
- A closing conversation on scaling innovation through collaboration and national impact
Registration is invite-only, with a register interest option available via the event page.
Aleks Tomczyk, Chief Executive, FinTech Scotland, said: “Scotland has a unique opportunity to lead in innovation that connects financial resilience with healthier outcomes. The Finance and Health Lab National Conference brings partners together to share evidence, spotlight innovation, and build practical routes to collaboration and scale.”
Dr Andrea Taylor, Chief Executive Officer of Edinburgh Innovations, said: “This is an opportunity to align research, practice and policy and focus collective effort on innovations that can make a measurable difference for people as they age.”
Register interest
This event is by invitation only. Register your interest on the Finance and Health Lab National Conference page to receive further details.
Financial Regulation Innovation Lab awards £50,000 each to four fintechs to accelerate consumer wealth support
The Financial Regulation Innovation Lab (FRIL) today announced the four fintechs selected to receive grants through its latest Future of Wealth Innovation Call, delivered by FinTech Scotland in partnership with SuperTech WM.
The six‑week programme concluded on 15 January with a Showcase Day, where 21 fintechs presented solutions to the challenge: helping consumers make informed financial decisions and access more tailored wealth support, while keeping pace with evolving regulation.
Throughout the programme, and against the backdrop of the joint HM Treasury-Financial Conduct Authority (FCA) Advice Guidance Boundary Review (AGBR) which seeks to help close the UK’s advice gap by clarifying how firms can provide more meaningful support under the Consumer Duty, participants took part in workshops and deep dive sessions to develop, refine and tailor their propositions to real world industry needs and potential pilots with partners. The FCA was involved throughout and provided both valuable clarity and guidance.
The Innovation Call was delivered with the support of 10 strategic partners: PwC, Barclays, Lloyds Banking Group, Sopra Steria Financial Services, NatWest Group, M&G, BNP Paribas Personal Finance. , Dudley Building Society, Wesleyan and Standard Life; alongside academic partners at the University of Strathclyde and the University of Glasgow, and Growth Builders, which supported delivery.
Following the Showcase Day, four fintechs were selected to receive £50,000 each to further develop their solutions. Over the grant period, the awardees will continue to collaborate with industry and academic partners to test, validate and accelerate their innovations towards adoption and scale.
The winners are:
Finspector is an AI-powered compliance platform that automates the review and monitoring of financial promotions across text, images, video, and social media. It helps regulated firms reduce risk, evidence compliance, and scale marketing activity with confidence across jurisdictions.
Planda is a behavioural AI platform that helps financial services firms move beyond outdated segmentation to deliver hyper-personalised customer engagement. By connecting data across enterprise workflows, Planda builds dynamic customer segments that evolve in real-time, enabling institutions to personalise at scale and deepen relationships.
Amplified Global uses AI and Machine Learning to help firms assess, simplify, and demonstrate consumer understanding at scale, ensuring they meet compliance obligations with confidence. Its technology analyses and enhances intelligibility, helping organisations turn complexity into clarity. Through a guided digital journey, it makes content more engaging, measurable, and human – redefining how people connect with information.
Afternoon’s the new data + AI first operating model for advice firms. Data collection is automated with a focus on completeness and quality. AI modules automate work, allowing a doubling of clients with the same team and with less risk from meeting to report in under 2 minutes.
Aleks Tomczyk, Chief Executive, FinTech Scotland, commented:
“The Advice Guidance Boundary Review is pivotal to widening access to meaningful financial support across the UK. Too few people are saving adequately for retirement, and historically advice has skewed towards higher earners. Government, regulators and industry are aligned on helping the wider population make better‑informed financial decisions. By funding these four winning projects and opening real‑world pilots with partners, we’re accelerating practical solutions that improve consumer decision‑making and access to support, while helping firms operate confidently within the advice–guidance boundary.”
Kate Murray, Strategic Projects Lead, Scottish Widows & Lloyds Banking Group, said:
“We want to fill the advice gap that currently exists in Britain and ultimately, enable people to have a much more prosperous financial future. The Innovation Calls present such a massive opportunity. We at Lloyds Banking Group are changing the way we do change and innovate to go faster. Bringing in outside thinking, technology, and just a completely different perspective can help us achieve that.”
Hilary Smyth Allen, Chief Executive, SuperTech WM, added:
“Partnership matters because that’s how you really get things done with impact. Through the partnership with FRIL, we’ve been able to work across a broader spectrum of the ecosystem. Consumers come in all shapes and sizes, and so does the industry that services them. Innovation for us means we are maximising outcomes for those consumers.”
Crawford Taylor, CEO & co-founder, Afternoon Finance, stated:
“The advice gap is real, and firms are under growing pressure to support more people, with better outcomes, under tighter regulation. Afternoon exists to make that possible, using data and AI to remove friction, reduce risk and radically improve how advice is delivered.
This funding allows us to continue to accelerate our mission: helping advice firms support more clients, more effectively, without compromising quality, compliance or trust. Being selected as one of just four winners from over twenty fintechs is a huge validation of the approach we’re taking.”
About FRIL
FinTech Scotland marks its eighth anniversary reinforcing its position as one of Europe’s leading fintech clusters
Marking its eighth anniversary, FinTech Scotland reports that the nation’s fintech cluster has more than doubled in size in the past five years – from just over 120 firms in 2020 to more than 260 – confirming Scotland’s position as one of Europe’s most dynamic and collaborative fintech clusters.
This growth has been driven by higher levels of investment, deeper partnerships across industry, academia and the public sector, and more businesses scaling up and trading internationally.
Innovation in practice has also taken a major step forward, with the 10-year FinTech Research and Innovation Roadmap now embedded and over 40% of recommended actions under way. Central to this has been the 2025 award-winning Financial Regulation Innovation Lab (FRIL), which plays a key role in creating the right conditions for collaboration and product development. A recent example is the partnership between Amiqus and Virgin Money: through the FRIL programme, Amiqus moved from an initial pilot to live production with Virgin Money, using AI to transform business banking onboarding – demonstrating the capability and scalability of its platform.
In 2025, the cluster also launched two major new initiatives: the Centre of Excellence in Distributed Ledger Technology, focusing on digital assets, payments and tokenisation, with digital trust at its core, and the Finance and Health Lab a pilot cross-sector research and innovation programme dedicated to improving financial wellbeing, resilience and long-term financial health in Scotland.
Looking ahead to 2026, FinTech Scotland will focus on translating innovation into economic and social value, in line with UK industrial policy priorities, and enabling all participating in the cluster to thrive.
Aleks Tomczyk, Chief Executive of FinTech Scotland, said:
“The doubling of Scotland’s fintech density is a clear signal that our collaborative and cluster-based approach is working. The Research and Innovation Roadmap provided a national framework to accelerate purposeful innovation, and it’s been inspiring to see how fintech entrepreneurs, financial institutions, and universities have got behind that shared vision.
As I begin 2026 as FinTech Scotland’s new Chief Executive, I look forward to leading our plans to support the next stages of cluster growth and thereby accelerate successful business growth and innovation in financial technology.”
Jane Martin, Managing Director of Innovation and Investment at Scottish Enterprise, added:
“A major strength for Scotland is its connected fintech cluster, an inclusive network of entrepreneurs, researchers, and industry leaders working together to solve real world challenges. This growth shows that Scotland can have a global impact by focusing on purposeful and collaborative innovation.”
Callum Murray, CEO of leading fintech firm Amiqus, said:
“FinTech Scotland has provided practical ongoing support to Amiqus and many other fintech scale ups across the country for many years. Our involvement in their FRIL innovation programme dramatically accelerated relationships with large scale banks, built trust in our capability to deliver at scale and directly led to us securing a new ongoing client partnership. We look forward to the collaborative opportunities working with the Fintech Scotland team over the years ahead.”
The Delivery and Impact of the FinTech Scotland Cluster in 2025
This report highlights the progress made across the FinTech Scotland Cluster in 2025, a year marked by continued growth and increasing global influence. The cluster has welcomed new firms, attracted higher levels of investment, and seen more businesses scale confidently and trade internationally. Scotland’s fintech SME community has matured significantly, supported by deeper partnerships across industry, academia, and the public sector — reflecting a shared commitment to collaboration as a driver of meaningful progress.
Innovation in practice has also taken a major step forward. The 10-year FinTech Research and Innovation Roadmap is now firmly embedded, with over 40% of recommended actions underway. Central to this has been the award-winning Financial Regulation Innovation Lab, which expanded its scale and earned national recognition for its collaborative, industry-led approach. In 2025, the cluster also launched its second priority innovation environment, The Centre of Excellence in Distributed Ledger Technology, focusing on digital assets, payments, and tokenisation, with digital trust at its core.
These successes reflect the collective effort and commitment across the ecosystem to drive responsible innovation and sustainable economic growth. They provide a powerful platform for the next phase. Thank you to all who have contributed — 2026 promises new opportunities, new collaborations, and continued progress for Scotland’s fintech community.
Together, these environments are enabling pioneering work and helping firms explore and commercialise technologies shaping the future of financial services. National and international engagement has matched this momentum. From strong representation at Money20/20 Europe to productive activity and engagement across North America, Canada, Hong Kong, and wider Asia, Scotland’s international presence has grown, supporting an increasing number of fintech SMEs entering global markets.
Nicola Anderson, Chief Executive at FinTech Scotland, said:
“These successes reflect the collective effort and commitment across the ecosystem to drive responsible innovation and sustainable economic growth. They provide a powerful platform for the next phase. Thank you to all who have contributed—2026 promises new opportunities, new collaborations, and continued progress for Scotland’s fintech community.”
Aleks Tomczyk, Chief Executive at FinTech Scotland, said:
“As I step into the role of Chief Executive in January, I do so with genuine excitement for what lies ahead. The foundations built over the past seven years including in 2025 create a strong foundation for the next phase of growth. Scotland’s fintech community is rich with talent, ambition, creativity, and a collaborative spirit that is widely admired – including internationally. I am energised by the opportunity to contribute further to this vibrant cluster, including its innovators, current and future strategic partners, and supporters in the ecosystem. Together, we will build on the momentum already achieved and shape a successful future in which Scotland continues to lead, influence, and inspire across the rapidly evolving fintech landscape.”