that make the onboarding and payment
journey a better, secure and faster
experience.
We are a Cypriot Headquatered company with over 10,000 shareholders.
Our company focuses on leading emoney, payments and identity technology company.
Our product offerings all revolve around optimising the online payment experience. We provide to cross-border, regulated and high value businesses with a complete customer onboarding solution, remote identity verification, payment processing, card acquiring, settlement and deposit-taking eMoney services.
With a unique set of tech capabilities, partnerships and license combinations across Europe and Australia, we are positioned to offer solutions through a single relationship and technical integration.
We are a Cypriot Headquatered company with over 10,000 shareholders.
Our company focuses on leading emoney, payments and identity technology company.
Our product offerings all revolve around optimising the online payment experience. We provide to cross-border, regulated and high value businesses with a complete customer onboarding solution, remote identity verification, payment processing, card acquiring, settlement and deposit-taking eMoney services.
With a unique set of tech capabilities, partnerships and license combinations across Europe and Australia, we are positioned to offer solutions through a single relationship and technical integration.
The company first developed an identity verification product that aimed to prevent Card Not Present (CNP) fraud in order to protect consumers and merchants from the growing challenge of online fraud.
ISX Financial was granted patents in a number of jurisdictions and used those patents to form the basis of enhanced due diligence for the purposes of on-boarding, becoming Australia’s first listed RegTech (Regulatory Technology) company.
The company will consistently add new products that add value to regulated, online businesses and brings unique innovation in the ecosystem of online payments and neobanking. Our people and culture are the secret behind our technology and product success. We are equipped with specialised legal and technical know-how, but most importantly we have a shared vision of offering innovative services for the businesses of today.
We simplify the complexity of consuming financial services online. For companies in the regulated AML/CFT space, accepting payments can be a devious task as more and more consumer data needs to be collected at every step, to mitigate concerns of financial fraud and meet compliance requirements.
We step in to fill-in the regulatory gaps and help our customers achieve more through seamless and secure global payments.
We develop proprietary technology to offer solutions that optimize the entire payments cycle, leading to faster and simpler onboarding and processing for both the benefit of merchants and end-users.
We don’t take the easy way out. We plan for long-term success with transparency along the way.
Our in-house developed and patented platforms Paydentity ™,Probanx ® and ISXPay ® are at the forefront of financial technologies and it is our mission to keep evolving and inventing solutions that help our customers achieve more.
Acquired Probanx, a complete core banking software system, currently servicing 15 banks across all 5 continents
Acquired BBS Baltic Banking, which provides API-based access to SEPA Core, SEPA Instant and SEPA Business Schemes
Developed our own ISX issued IBANs in our customers name locatable via our Bank Institution Code (BIC) ISEMCY22XXX
Mr Taoushanis holds a BSc degree in Economics, and a Master’s in Business Administration received from the London School of Economics and the London Business School, respectively. Mr Taoushanis brings extensive banking and finance knowledge and experience to iSignthis having spent over 30 years in the industry in various senior roles.
Prior to joining the ISX board Mr Taoushanis has worked for some of the worlds largest banks in a number of different locations including, Chicago, Greece, Hong Kong and Cyprus. This includes serving at Continental Illinois National Bank of Chicago for four years, the Hong Kong and Shanghai Banking Group *(HSBC) for Eighteen years, with twelve of those as the Managing Director of the Cyprus subsidiary, and eight years as the Chief Executive Officer of the Cyprus Development Bank.
Since 2011 Mr Taoushanis has been working with the private firm TTEG & Associates, providing services as an advisor to several companies.
In August 2016, Mr Taoushanis was appointed as the Chairman of the Cyprus Cooperative Bank, a systematically important bank in Cyprus, after receiving approval from the Central Bank of Cyprus, the European Central Bank and Cyprus Parliament. Mr Taoushanis served until his resignation 13th October 2017.
The company has also appointed Mr Taoushanis as its representative to the European Cards Stakeholders Group (ECSG), of which the company was a founding member.
Mr.Karantzis is the founder and Managing Director/CEO of ISX. He holds qualifications in engineering (University of Western Australia), law, and business (University of Melbourne), with a broad understanding of international regulatory regimes as they relate to payments, money laundering and identity. Mr. Katantzis has over 20 years’ experience across a number of sectors including payments, online media, AML, defence and secure communications.
Mr. Barnes has international business experience in venture development in both the financial services and technology sectors and has been involved in M&A activities for over 30 years. An experienced executive and latterly non-executive director with Tristel PLC (TSTL.L) an LSE AIM market Listed healthcare company where he has served as Chairman of the Company and as Chairman of the and Audit and Risk Committee. He is also an independent director of ASX listed Etherstack plc (ASX:ESK) which specialises in wireless technology including waveforms and public mobile radio solutions.
Mr. Barnes is a Fellow of the Association of Chartered Certified Accountants and is a Member of the UK’s Chartered Institute for Securities and Investment.
Mr.Barnes was elected a director of the FCA regulated authorised electronic money institution, ISX Financial UK Ltd in September 2020
Mr.Pouros holds a B.Sc & M.Sc in Economics from the London School of Economics and the University of Aberdeen, respectively. Mr. Pouros also holds a certificate from the International Monetary Fund Institute (USA) and the European Institute of Public Administration (Maastricht-Netherlands).
Mr. Pouros has extensive experience in governmental economic affairs having worked as Permanent Secretary at the Economic Planning Bureau, at the Ministry of External Affairs (DG European Union) and at the Ministly of Agriculture Natural Resources and Environment of Cyprus. He has also served as President of the Board of Directors of the Research Promotion Foundation, of the Agricultural Insurance Organisation, and of Eurolife Insurance.
Mr. Pouros has also been a member of the economic research unit of the University of Cyprus, the Economic Advisory committee to the President of the Republic of Cyprus, and the negotiating team of Cyprus during the EU accession negotiations. He has also been member of the broad of directors of the Human Resource Development Authority, the European Institute, the Town Planning Council and various other boards and committees in Cyprus.
Mr Pegasiou holds a BSc degree in Economics from the London School of Economics (LSE) and a Masters from the University of Bristol in European Policy Studies. Mr.Pegasiou further holds a Ph.D. from the University of Manchester in Politics. Additionally, he then received funding to undertake a post-doctoral fellowship to study the Europeanisation of Cyprus’s Economy and was based at the European University of Cyprus and in cooperation with the LSE and the University of Manchester
Mr.Pegasiou has over 10 years’ experience in academia which includes him lecturing at both the ‘University of Cyprus’ and the ‘European University of Cyprus’ and is currently the Academic Director at the ‘European Institute of Management and Finance’.
In addition, Mr.Pegasiou has over a decade experience as a consultant for the public and the private sector, where he served on the Boards of Cyprus Airways as well as most recently the Cyprus Cooperative Bank, among other. He holds a number of professional qualifications including Certificate in Risk in Financial Services (offered by CISI), Certified Global Sanctions Specialist Certification (offered by ACAMS) and Diploma in ‘Governance, Risk and Compliance’ (offered by ICA).
Dominic Melo is an expert on payments and a skilled security consultant.
Dominic has played key roles, especially in the financial services IT arena, in designing, executing and analyzing projects for the international B2B and B2C markets. His proven record of driving product solutions in high-growth, performance-focused environments, makes him a valuable addition as the company reinforces its payment services. Dominic has previously held director and senior roles at EU regulated Payment Service Providers.
Mr.Karantzis is the founder and Managing Director/CEO of ISX. He holds qualifications in engineering (University of Western Australia), law, and business (University of Melbourne), with a broad understanding of international regulatory regimes as they relate to payments, money laundering and identity. Mr.Karantzis has over 20 years’ experience across a number of sectors including payments, online media, AML, defence and secure communications.
Mr. Treons experience spans a 25-year career in the banking industry, including extensive experience in renowned institutions such as Lloyds Banking Group, Lehman Brothers, Dresdner Kleinwort Investment Bank, and Credit Suisse, Ajay brings a wealth of expertise in financial management, strategic planning, and risk mitigation. He also brings valuable recent experience in the fintech sector, further enhancing his understanding of the evolving financial landscape.Ajay is also a qualified accountant, holds an Executive MBA, and possesses the esteemed Certificate in Quantitative Finance.
Appointed as of February 2018. A 16-year banking professional having worked for the Bank of New Zealand, Bank of Scotland International (LSE:HBOS), Lloyds Banking Group (LSE:LLOY) and most recently the National Australia Bank (ASX:NAB). From managing distressed debt portfolios to growing new business verticals in the payments and card acquiring space, his track record ascertains his invaluable expertise as the company continues to invest in its risk management expertise and systems.
Dominic Melo is an expert on payments and a skilled security consultant. Dominic has played key roles, especially in the financial services IT arena, in designing, executing and analyzing projects for the international B2B and B2C markets. His proven record of driving product solutions in high-growth, performance-focused environments, makes him a valuable addition as the company reinforces its payment services. Dominic has previously held director and senior roles at EU regulated Payment Service Providers.
Stephen is an accomplished IT professional with over 20 years’ experience and a Cybersecurity focus over the last 10 years.
His experience has seen him involved in roles from a diverse number of sectors including Consultancy, Retail, Government, Banking and Financial Services. He has a broad understanding of the numerous information security domains and strengthened his risk, compliance, and regulatory experience at Barclays in the UK and ANZ in Melbourne.
Andrew Karantzis is ISX Financial Chief Sales Officer, reporting to the Managing Director.
Andrew has helped the company create a Global Sales and Marketing team.
Most recently, he served as Founder, CEO and Director at DiverseIT, an Australian Technology provider to mining and enterprise customers. Andrew has over 20 years’
Mr. Paul Musgrave. Executive General Manager UK.
Mr. Musgrave holds qualifications in engineering (University of Cape Town), and executive leadership (Management School St Gallen). He has over 20 years’ experience in various sectors, including payments, acquiring, SAAS, and telecoms. His previous public company experience includes senior management roles with Worldline (previously SIX) (EPA:WLN) (2011 to 2016). Other experience includes senior roles with global payments organisations: SVP EMEA at Planet Payment (2021- 2023) and Chief Commercial Officer at 3C Payments (2016 – 2021).
BSc BFP FCA
Ben Clayton brings over 20 years of experience in risk management and regulatory compliance to ISX Financial. His career in the banking industry includes roles at leading institutions such as Barclays, UBS AG, Lloyds Banking Group, and Nomura. Additionally, he has contributed his expertise to various medium-sized financial institutions, where he has played key roles in shaping and enhancing their risk management frameworks.
Ben holds a Bachelor of Science from the University of Liverpool and is a Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW). He is also an active member of the International Compliance Association (ICA), with certifications in AML, business analytics, and information security management.
As Chief Risk Officer at ISX Financial, Ben is committed to driving strategic risk initiatives and ensuring the company’s continued growth and stability.
Elena holds a Bachelor of Laws from the University of Leeds as well as a Master of Laws from the University of Manchester. With over a decade experience in the legal space, Elena is also a member of the Cyprus Bar Association since 2011.
Elena joined the company’s legal team in June 2017, having previously worked for more than 4 years in a law firm in Nicosia. She has also acquired work experience in the Administrative Service Providers sector, as she worked for 2 years in an administrative service provider firm in Nicosia.
Serge has been with ISX Financial since January 2024 and brings with him over 10 years of experience in financial services and fintech companies. With extensive experience in all the various areas of compliance, his skillset is supplemented by the work he has done in various jurisdictions, spanning North America, the Channel Islands, and mainland Europe. His broad geographical and regulatory exposure led to a progression from AML/CTF and compliance to a strong understanding of Corporate Governance. He is motivated by the need to help bring new financial ideas and products to the global market, while at the same time navigating the complex and ever evolving global regulatory landscape.
Serge has his Honours Bachelor Degree of Arts in Political Science and Criminology from the University of Toronto, and AML Certification from CYSEC. He is a Certified Anti-Money Laundering Specialist (CAMS), and Certified Counter Terrorist Specialist (CCTS).
Andrew Karantzis is ISX Global Sales and Marketing Director, reporting to the Managing Director. Andrew has helped the company create a Global Sales and Marketing team. Most recently, he served as Founder, CEO and Director at DiverseIT, an Australian Technology provider to mining and enterprise customers. Andrew has over 20 years’
Isavella is an accomplished professional with over 15 years of experience in online payments, fintech and finance and worked closely with clients across multiple industries, to help them optimize their payments functionality. Her broad understanding and deep knowledge of the e- money industry, makes her a valuable member of our team. Moreover, she has previously held important roles, including commercial, in key financial services industry companies, such as American Express. Isavella holds an MBA in International Marketing and Finance and in International Relations from Depaul University in Chicago, and a BA in International Relations and Europe Area Studies from the American University in Washington DC.
Kristaps has a 10+ year track record in driving cross-functional team successes in payments, e-commerce, retail and telecommunications, with "scaling sales" as his mantra through this journey. Always keen to share his insights in managing the expectations and requirements between technology and business, Kristaps now employs his experience to accelerate ISX Financial’s evolution into the next Fintech unicorn.
Mark is the Sales Director for Europe. Mark holds a Master's Degree in Business Administration (University of Amsterdam) and has been working in Payments and Fraud for the last 10 years. Mark has lived in a number of different cities including Melbourne, Lisbon, Prague and is now fully operational from the Amsterdam office responsible for selling the ISX Financial payments, identity and banking products.
Chris Henry is SVP UK&I. A 15 year Regulated Financial & Gaming Sector professional. Chris has played a key role in start-up Fintech’s and their go-to-maket execution. Having worked for 192.Com, GBG Group PLC (GBG.L), Onfido Ltd and Experian (EXPN.L). From managing global payments, banking, KYC/AML/Risk and latterly leading Open Banking in the UK. Chris’s perception of payment and compliance trends, his business acumen and vision make him an invaluable asset to any entity wishing to work with ISX Financial.
Group operating subsidiaries include ISX Financial UK Ltd, ISX Financial EU PLC (CY), Probanx Solutions Ltd (CY) & UAB Probanx Solutions (LT), UAB Authenticator (LT), ISX Technologies Inc (USA). ISX Financial UK Ltd, trading as Flykk, ISX Money and ISXPay, is a FCA UK Authorised eMoney Institution FRN 901034. ISX Financial EU PLC, trading as Flykk, ISX Money and ISXPay, is authorised by the Central Bank of Cyprus # 115.1.3.17 as an E.E.A Authorised eMoney Institution and UK FCA FRN 900871 .
℗ Patent applications pending/granted in Africa, Australia, Asia, The Americas, Europe and Oceania. ISX Financial®, ISXPay®, Probanx®, Flykk® & Paydentity™ are registered trademarks of ISX IP Ltd.