The world of finance has fragmented. There are more choices for consumers, freelancers and businesses than ever before. Big banks are modernising to crush the competition. Tech giants are entering the payment arena with a mission to own customers’ wallets. Emerging tech startups are launching products to replace or complement the incumbents.

They're all trying to make things easier, faster, cheaper or more digital. They're all talking about empowering their customers, revolutionising money or changing the world. They're all innovating, disrupting, augmenting or virtualising something, somehow, somewhere.

Cards, credit and cash. PINs, permissions, points and platforms. Accounts, apps, authentication and automation. FX, P2P, WTF?

It’s not all cheap talk though. Real and rapid progress has occurred. But in a massive sector with masses of customers, this has created a mass of problems as you can imagine. Every new development, technology, product or service may have added benefits, but they have also multiplied complexity and divided attention.

And this fragmentation shows no signs of slowing. In fact, it’s accelerating.

For a savvy customer, making the most of this new financial landscape means micro-managing a disconnected portfolio of banks, cards, providers, accounts and apps.

In a world where lives and businesses are run on smartphones, this makes no sense at all. They’re used to products and services that are mobile, seamless and frictionless. From contacts, communications and workflow, to entertainment, travel and retail therapy. They're all easily discoverable, immediately accessible, deeply integrated and stored in one place.

We believe our finances should work in exactly the same way. And right now, they don’t. Right now, they’re a mess.

That’s why we’re building Curve. Curve is to Banking what Netflix is to TV and Spotify to Music. We connect All Your Cards in One Smart Card. And One Even Smarter App. We bring you financial freedom and endless opportunities. All in One place. What isn’t there to love?

We like to think of it as mission control for your money. An Over the Top Banking Platform, moving banking to the cloud. We help you simplify your finances so you can go out and live your ultimate life. Find new inspirations, explore new paths, and indulge in your passions. Curve simplifies and unifies every aspect of your financial life by connecting it to one smart card and an even smarter app. Bottom line, our mission is to simplify the way you spend, send, see and save.

BECAUSE WHEN YOU SHAPE THE DESTINY OF YOUR FINANCES YOU SHAPE THE DESTINY OF YOU

Mission: To demystify people’s finances by connecting their money, right at their fingertips, so they can go out and live their ultimate life by simplifying and unifying the way people Spend, Send, See and Save their money.