We pride ourselves on being creative thinkers, for challenging the status quo. We believe that innovation needs the right environment to seed, germinate and flourish. We regularly run ‘incubation sessions’ where there are no limits and many new business ventures have started this way.

We have taken the concept of personal healthcare budgets and innovative payment mechanisms into the 22nd century and believe that consumer driven healthcare will drive improvements in cost and quality. To learn more about our approach to personal budgets and payment cards, please feel free to reach out.