incuto is a socially profitable financial technology company, based in the north of the UK.

We work with Credit Unions and the Community Banking sector, as a technology partner, to develop financial technology aimed at helping everyone access low cost, high quality financial services.

We recognised these organisations have a legacy debt of technology, requiring back-office efficiency, improved access to information and affordable access to the payment networks, allowing them to become real challengers, and better serve their communities.

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Andrew Rabbitt
CEO & Co-Founder

Andrew has worked in the technology sector for 15 years, helping organisations such as NHS to use data to influence behaviour. Andrew is a keen advocate of financial education, financial inclusion and tackling the Poverty Premium


Mark l’Anson


Mark I’Anson is an entrepreneur and philanthropist. After selling his own NASDAQ listed computer company, he is on the Board of a number SMEs and is Chair of the Northumberland Community Bank, the Haydon Bridge Development Trust and is a director of the Northstar Foundation.


John Neasham
Director & Co-Founder

John has extensive experience in the banking sector, at senior management level, in global banks. With a focus on data, recognising the power and value of collaboration and integration, John has driven our strategy to be an API - driven challenger to traditional banking platform providers.

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Les Walker


Les has over 30 years’ experience supporting customers for large software companies, including IBM, SAP & SAS, as well as technology start-ups. He bring expertise in global client on-boarding, fault-tolerant operational management, and commercial management.


Paul Smith

Paul has brought his operational expertise from a senior role in a leading global Pharma sector business to manage HR, finance, legal and delivery. Paul leads our commercial strategy.


Jen Anderson

Jen gained experience delivering projects in both tech start - ups and major change programmes in NHS. Recognised in top 100 CTOs in 2019, Jen is gaining prominence as a strong voice in the Tech for Good ecosystem.