The most valuable thing in financial services right now is deep experience combined with new tools. For a generation, the same consumer money problems have resisted solving. That is changing.
AI and digital infrastructure now make it possible to deliver genuinely personalised financial tools at a fraction of the historical cost. The regulatory environment is being redesigned around consumer outcomes rather than prescriptive rules. The conditions to solve problems that have resisted solving for a generation are finally in place.
But the tools alone are not enough. Knowing which problems are worth solving, understanding why they have resisted solving, and navigating the regulatory landscape — that requires deep domain expertise. Money Unstuck backs the people who have it.
Not new problems. What is new is the toolkit — and a regulatory environment being redesigned around consumer outcomes at exactly the same moment.
Seven million UK adults have significant cash savings quietly losing ground to inflation. They earn well, save regularly, and know they should be investing — but have never had a clear, personalised starting point. The barrier is not money. It is time and confidence. For decades, the tools to bridge this gap existed only for wealthy clients with expensive advisers. AI changes that — making it possible for the first time to give every saver a clear picture of what their money could be doing, built around their specific goals, in plain English, with the ability to act immediately.
Investwizz — launching May 2026Seven million people are on NHS waiting lists. Many could access private treatment — but have no affordable, flexible way to fund it. Private Medical Insurance excludes the treatments people need most. Standard credit cards were not designed for healthcare. The result: patients choose between waiting and paying upfront in full, with nothing in between. Open-loop instalment card technology now means a healthcare finance product can work at any provider without complex onboarding. The self-pay market is growing rapidly and the gap has never been more ready to close.
HealthCard — in buildMillions of UK renters earn well and have never missed a payment — but the gap between when money goes out and when salary arrives creates a recurring cash crunch no financial product yet solves. Banks already hold all the data they need to fix this. They can see rent leave on the 1st and pay arrive on the 28th. The average UK renter spends 41% of take-home pay on rent. The answer is not an overdraft or a loan. It is payment smoothing — using real transaction data to read a customer's financial rhythm and allow specific payments to move to a confirmed payday date. The infrastructure to do this at scale now exists.
In developmentNearly 10 million UK subscriptions are unwanted right now. The government puts the cost to consumers at £1.6 billion a year. Subscription businesses are deliberately designed to be easy to join and hard to leave — the payment leaves your account automatically, quietly, every month. That is changing. Variable Recurring Payments — a new UK standard — puts consumers back in control, letting them set limits on what can be taken, when and how much. First live payments landed in late 2025. Legislation expected by end of 2026. AI makes it possible simultaneously to give every consumer a real-time picture of what they pay and the ability to act in seconds.
In developmentMoney Unstuck operates across three distinct modes — always starting from the same place: a stubborn consumer money problem that has resisted solving, and an experienced operator who understands why.
Co-founding new businesses from scratch. Money Unstuck takes an active co-founding role — leading financial services strategy, credit product design, banking partnerships and regulatory approach from day one. This is not advisory work from a distance. It is hands-on company building by someone who has done it before.
Taking equity stakes and providing strategic advice to experienced entrepreneurs solving the right problems at the right moment. Money Unstuck brings financial services expertise, regulatory knowledge and commercial networks that early-stage fintech founders typically cannot access elsewhere.
Hands-on interventions with experienced operators who have identified a stubborn money problem and need a financial services expert alongside them to think differently about how to solve it. This might be a payments business rethinking its consumer proposition, or a media company asking what financial tools their audience actually needs.
Paul Marriott-Clarke spent twenty-five years building financial services businesses from the inside — at McKinsey, as a co-founding executive at Metro Bank, as CEO of PayPal Europe, and as MD of Customer & Digital at Barclays UK. Long enough to understand exactly where the system works well and where it has consistently failed the people it was supposed to serve.
Money Unstuck is not a solo operation. The ventures it backs and builds are grounded in partnerships with experienced operators across financial services, clinical medicine, technology and payments — people who between them have built regulated banks, scaled global payment platforms, founded healthcare businesses and led digital transformation at the largest institutions in the UK. The network has been built over twenty-five years. It is the foundation everything else is built on.
The problem-solving engagements Money Unstuck takes on draw on a broader network of operators across payments, credit, banking and regulatory affairs — people who have been in this industry for a long time and understand where the leverage is. Experienced operators. New tools. Stubborn problems.