Get to know us

ilumoni is an AI-powered Fintech business founded by a team with impressive credentials in financial services innovation.

ilumoni gives insights that unlock better borrowing. A first in borrowing in the emerging Insight-led Financial Wellbeing sector.

Millions of people are in the dark about their borrowing.

Many consumers borrow in haste and sleepwalk through repayments, struggling to grasp financial calculations or underestimating the burden of debt in a confusing market, with complex products and poorly presented information. Which can make the total and long-term cost of borrowing difficult to understand in a competitive environment that often exploits people's need for access to credit and short-term affordability.

The result is that large numbers of consumers don’t fully understand their borrowing, are paying more in interest and fees than necessary and carrying debt for longer. Where they do understand, they are often weighed down by the need constantly to manage their borrowing to get the best deals.

We think it’s time this changed. 

We use artificial intelligence, open banking and credit data combined with market information, to provide insights that unlock better borrowing and help people to Borrow Well.

The app provides information about users’ borrowing in one place and helps them take action to improve their financial wellbeing. This includes repayment amounts and highlighting better deals when there are clear benefits. When they switch, they benefit and we make money, but only when its right for the user.

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We are customer-sided and want to be their trusted partner for all of their borrowing.

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Jonathan Corner

Co-founder, Product & Customer Director

Jonathan has lead strategy & innovation teams in challenger banks, incubating and launching new propositions since 2004. Prior to founding ilumoni, he was part of the founding ExCo team that launched recently PRA authorised start-up bank Vive. He also counts Egg, first direct and HSBC in his Financial Services experience.

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Andy Gardner

Data Science Director
Andy has spent his career immersed in the value of consumer and credit data, having been part of the HSBC project team that became first direct. In 1999, he founded data science and strategic consultancy Jaywing, helping Egg launch its credit card, and now operating in the UK and Australia with over 400 employees.

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Kevin Lancaster

IT & Delivery Director

Kevin has over 20 years’ experience in technology delivery leadership roles within Financial Services, Retail and Banking, spanning both start-up and large corporations and including Zurich Bank and Tesco Bank.

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Richard Smith

Risk & Compliance Director
Richard is a qualified accountant with in-depth experience of 'risk & control' within Financial Services, Industry and Practice. He has a proven record of delivering change and introducing new concepts and ideas with organisations such as Swiss Life, HML, Tesco Bank and NS&I.