Disrupting for good

We're making payments faster, easier and more cost effective for the global financial community.

The payments industry is undergoing massive change and disruption. 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.

Our vision is to be the world’s most trusted provider of real-time cloud-native payment technology, enabling our customers to access multiple payment schemes and move money to delight their clients.

Our mission is simple: to make payments faster, easier and more cost effective for the global financial community.

Jan 2016

Form3 starts its business

Jul 2017

Series A funding ($5m)

Nov 2017

First FPS payment

Mar 2018

Ebury go live with Form3 FPS services

Aug 2018

Bacs Direct Participant

Nov 2018

Form3 offers Bacs services to clients

Nov 2018

Series B funding ($13m)

Feb 2019

Complete SEPA Instant (RT1) certification

Mar 2019

First FPS Settling Participant goes live

Our executive team

Info
Michael MuellerChief Executive Officer
Info
Mike WaltersChief Product Officer
Info
Adam MoulsonChief Customer Officer
Info
Bonnie MitchellChief Financial Officer
Info
Steve CookChief Technology Officer
Info
Eimear O'ConnorChief Operating Officer

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.

Bonnie Mitchell

Chief Financial Officer

Bonnie is a chartered accountant with a 20-year track record of working with incubator and scale up organisations both nationally and internationally. Bonnie began her career at EY Banking Audit and Assurance and RBS Treasury before moving to a new venture with a high growth retail brand, pre-revenue in 2016. The venture was successfully launched in both UK and US retail markets. On the back of its success, Bonnie and its founders set up a US based FMCG brand incubator, Green Park Brands Inc.


In her role as CFO, Bonnie has primary responsibility for financial planning, risk management and financial reporting for the global organisation, supporting its next phase of growth as it expands across Europe and beyond.

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.

Join Us

We are using cookies to give you the best experience of our website, and improve our services. By pressing the button, or continuing to browse the site, you accept our use of cookies as defined in our cookie policy.