Jeremy Takle

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Founder and CEO

Pennyworth

Member since

02 Dec 2022

Location

London

Bio

After building banks all over the world, Jeremy left a career at Barclays to found Pennyworth, a fintech on a mission to deliver a digital private banker for everyone (pennyworthfinancial.com). He is also Chair of Vemi, an AI-native global ethical digital banking platform.

Prior to founding Pennyworth, Jeremy helped Swedish fintech Klarna launch consumer banking. Before that he was Managing Director of Barclays Digital Consumer Bank, a U.S challenger bank he formed in 2016. Jeremy was also a member of Barclays UK Management Committee and led the transformation of Barclayloan into the UK’s largest digital lender.

Experience

Founder and CEO

Pennyworth

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Latest opinions

AI-native finance: Will your bank be left behind?

Banks have spent decades digitising their services, but the next revolution isn’t about convenience or access, it’s about intelligence. AI-native finance is reshaping the very architecture of banking, forcing institutions to rethink how they use data, how they deliver value, and how they engage customers. The next winners won’t just adopt AI. They...

04 November 2025 Artificial Intelligence and Financial Services

Why we need a pro-innovation approach to AI in financial services and beyond

Artificial Intelligence (AI) is the world’s next transformative technology, offering unprecedented opportunities for productivity and growth. However, instead of embracing the transformative power of AI, some governments are reacting with excessive caution. This is often driven by fear and zero-sum thinking that fails to grasp the massive potentia...

24 September 2024 Artificial Intelligence and Financial Services

Self-Driving Money: Why developing AI-based personal finance tools is an economic imperative.

The UK's financial advice gap is leaving consumers worse off and hindering economic growth. Developing AI-based personal finance tools is essential for closing this gap and improving the resilience of households and economy as a whole. The UK faces significant challenges. Among them, the gap in financial advice available to consumers is both vast a...

20 August 2024 Artificial Intelligence and Financial Services

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Latest comments

AI-native finance: Will your bank be left behind?

Thanks for the comment. You’re right to link this to earlier waves like PFMs and even robo-advisors, but what’s emerging now is fundamentally different. Those tools were algorithmic, not intelligent. They offered static insights from narrow data, not dynamic, contextual understanding.

The real shift is architectural. AI-native banking is built data-up, using unified, real-time data and contextual protocols to create composable, adaptive systems that can launch and reconfigure products instantly. Most banks will struggle because their data is fragmented, their business models depend on customer inertia, and few are ready to sacrifice legacy margins to lead the charge.

05 Nov 2025 14:19 Read comment