Our History and Vision

The payments industry is undergoing massive change and disruption. A close look reveals that most innovation is focusing on easy consumer access and cheaper, faster settlement of cross-border payments. However, most FinTech and Banks are struggling to obtain efficient, direct access to domestic and international settlement schemes.

The required technology is fragmented, typically deployed on-premise, difficult to implement and expensive to run. Banking arrangements are complex to negotiate and implement. Payment scheme accreditation is hard to obtain.

Form3 was established in 2016 to take on the challenge of making payments easier, faster and cheaper. We love creating payments solutions that combine the latest technology with banking expertise to offer our clients choice. Working with FinTech and established banks, we care deeply about crafting elegant business models, APIs, and documentation.

Back Office Technology Ltd trading as Form3 Financial Cloud is a privately held company with registered number 9954425 and registered address 7-10 Chandos Street, London, W1G 9DQ.

The management team

Michael Mueller – Chief Executive Officer

Michael set up Form3 after spending more than 25 years in various management positions with Deutsche Bank, Royal Bank of Scotland and Barclays. Most recently, he was Global Head of Cash Management and a Member of the Corporate Banking Executive at Barclays, where he had responsibility for the product management and distribution of the bank’s payment, corporate deposit and customer access products.


For many years Michael has been passionate about driving digital change and innovation in global banks and has sponsored many key initiatives in this area, including white-labelling, biometric security, mobile payments (Pingit) and portal and mobile banking technology. More recently he has been actively involved in industry-level discussions about central bank digital currencies and the application of distributed ledger technology in financial services. Michael holds a degree in Organizational Psychology and a Master of Business Administration from INSEAD.

Mike Walters – Chief Product Officer

Mike joined Form3 from Barclaycard Payment Acceptance (card acquiring) where, as Product Director, he was a member of the Executive Committee and responsible for P&L, product management, strategy development, vendor selection and management, digital transformation and M&A.

Prior to this, as Head of UK Corporate Payments for Barclays Corporate Bank, Mike held product management responsibility for all payment, receipting and reporting products and services delivered to Barclays corporate clients – this included defining the Barclays Corporate Bank mobile payments strategy and initiating, building and scaling the multi-award winning ‘Pingit for Corporates’ mobile payment solutions.

Earlier in his career he managed client relationship teams responsible globally for the North American Financial Institutions and FTSE 250 sectors. With his significant experience across the payment and client landscape, Mike and his team is responsible for designing, scaling and managing the Solutions delivered by Form3.

Adam Moulson – Chief Customer Officer

Adam leads the customer engagement at Form3 to bring our great solutions to market.He has over 20 years in the financial services and technology, building new software solutions and leading go to market, relationship management and sales. He joins us from SWIFT where, he led UK key client sales and was the country manager for Ireland.

His experience covers positions in product management, consulting and sales where he focused on payments, cash management, working capital and credit risk across banking and corporates. He has worked across UK, Europe and the US for SWIFT, XRT Treasury Software, London Bridge Group, Nationwide Building Society.

Steve Cook – Chief Technology Officer

Steve has architected and developed great products and managed dynamic technology teams in the financial services sector for over 20 years. He brings a broad range of experience in FinTech, having led key technology teams across banking (Lehman Brothers, Nomura, Gain Capital), and having launched several startups in the FinTech and cloud computing space.

Steve previously lived and worked in Asia for 15 years, and has extensive experience in the Asian banking and capital markets environment. He also holds a degree in theoretical physics from Cambridge University. As the CTO of Form3, Steve is responsible for all aspects of technology, including product architecture, development, delivery and support of the Form3 financial cloud.

Eimear O’Connor – Chief Operating Officer

Eimear leads operations and project delivery at Form3. She joined from Barclays where she was Retail and Commercial Director for Pingit, responsible for the global development and commercial management of the retail customer base for this award winning open market payments platform.

Prior to this, Eimear led the Corporate Mobile Payments Team at Barclays where she was responsible for the product design, development and launch of the Barclays Pingit for corporates product set. Eimear has also held positions including Vice President of Strategy at Visa Europe and Business Consultant at both BearingPoint and Capco, working on multiple assignments in the UK and globally. Eimear holds a BSc. Finance from University College Cork and a MBS Strategic Management and Planning from the Smurfit Graduate School of Business, University College Dublin.

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