About us

About Koyo

Koyo was founded in 2018, on the principle that people should be treated fairly when it comes to credit. Most other lenders make decisions based on data from credit scoring agencies which can be months out-of-date. Our goal is to disrupt this archaic way of lending, by offering competitively priced credit through the innovative use of technology.

Koyo is the UKs first Open Banking powered lender. Open Banking is the secure way to give lenders or financial providers like us, access to transactional banking data. Our innovative approach enables us to offer competitively priced credit based on borrowers spending habits, rather than what credit scoring agencies say about them. A win-win for all.


Use transactional bank data to make better lending decisions with the well-being of our customers in mind.


Lead the world in using alternative data to serve millions of people with competitively priced credit.

Our story so far

In 2016, Thomas Olszewski, the founder of Koyo moved to the UK and found accessing credit to be difficult if not impossible. This is because his credit history did not follow him from his home country. He realised this is a problem that affected millions of people who are new to the country, but also people who have failed to build a credit history in the UK more generally.

In September 2018 we raised our first round of venture funding and have since raised further debt and equity funding from VCs and private investors.

Our technology

Koyo is the UKs first open banking powered lender. Open Banking is the secure way to give lenders or financial providers like us, access to transactional banking data. Open Banking technology is sparking disruption in the financial services sector that will benefit millions of customers in the UK. Unlike other lenders who use credit agency data, our innovative approach enables us to offer competitively priced loans, to an otherwise poorly served segment of the market.

The management team

Thomas Olszewski, CEO at KoyoCEO, Thomas Olszewski – formerly a venture capitalist with Frontline Ventures in London and Cavalry Ventures in Berlin. Hedge Fund Trader Analyst at Verition Fund Management. Formerly part of the global software development team at the Nasdaq stock exchange.

Guy Evans, CTO at KoyoCTO, Guy Evans – previously CTO of LendInvest, leading specialist property lender with 150 employees. Former CTO of Interactive Investor, UKs 2nd largest retail stockbroker. Former CTO of BullionVault, a real time gold trading platform. Co-founder iJento, a web analytics company.

Paul Martin, Head of Credit Risk at KoyoHead of Credit Risk, Paul Martin – previously Credit Risk Director at Zopa, the world’s first P2P lender, oversaw the loanbook growth from £100m to £1bn. Other senior positions held in credit risk management at large corporate financial services, American Express and Santander Cards, as well as other fintech startups, NewDay & Neyber.

Peter Kent, CMO at KoyoCMO, Peter Kent - previously Global Head of Digital Marketing Strategy at Investec Bank. Former marketing acquisition specialist at RateSetter, grew the loanbook from £30m to £1.5bn through multi-channel marketing. Experienced across multiple HealthTech and FinTech businesses.

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