Neil Harris, Group CEO and Pavle Ljujic, Founder and Chair, PannovateNeil Harris, Group CEO and Pavle Ljujic, Founder and Chair
Over the past two years, traditional banks have been facing increasing competition from nimble tech innovators and challenger banks that are more agile and innovative in their approach. Simultaneously, customer expectation for personalization is growing at a rapid pace. These factors have prompted the entire banking sector to continuously innovate to remain relevant and retain customers.

This is where Pannovate steps in.

Pannovate has become a well-known name for challenging the status quo in the banking and payment sector with its banking as-a-service platform. Clients can seamlessly gain access to Pannovate’s modular solutions and third-party integrations for wallet management, payment processing, and card issuing.

“Our platform has been designed from the ground up to include the most relevant features needed by clients to launch a banking or payments proposition to market, while offering the flexibility and speed-to-market they look for,” says Pavle Ljujic, Founder and Chair of Pannovate.

Pannovate’s innovative modular solutions enable clients to add any functionality quickly and cost-effectively to create a value proposition and intuitive UX that works for their end user segments. It is a single application built with core features and additional bolt-on modules that can be plugged in to truly customise the user experience. Using this modular approach, clients can go from concept to delivery in just ten to 18 weeks.

To up its ante in this space, Pannovate constantly stays up-to date with emerging technologies and trends, from cryptocurrency, CBDC, and BNPL to Web3.
This drives the company’s product roadmap, allowing it to develop innovative modules and partner integrations onto the platform.

“We continue to provide clients with the latest digital banking solutions and an evolutive platform that keeps pace with changing regulation as well as client and end user demands, designed for the future,” states Neil Harris, CEO of Pannovate.

With its innovative platform, Pannovate serves a wide variety of clients. For example, the company worked in partnership with OnePay.

OnePay allows workers to gain access to a multilingual online portal, a mobile app, automated telephone service, and a UK-based customer service team so that they can manage their money 24/7 regardless of access to modern technology.
  • Our platform has been designed from the ground up to include the most relevant features needed by clients to launch a banking or payments proposition to market, while offering the flexibility and speed-to market they look for


After working with a series of fintech service providers that did not fully grasp the challenges of this complex industry, OnePay chose Pannovate to deliver a solution to meet its very specific needs. It had to offer a wide range of UI/UX options to accommodate smartphones, low-tech phones, and no phones at all. Pannovate addressed all the criteria, enabling OnePay to ensure a rewarding experience for workers.

In 2019, Pannovate created the first use case for augmented reality in the banking industry. The invention enabled digital account providers to record personalized video messages for end users and embed the video into the app and banking card, adding an unprecedented degree of hyper-personalization to their service. When a smartphone is placed in front of the card, the message is automatically played and projected onto the card. Many Pannovate clients have adopted this exciting technology to deliver a unique user experience, opening new and innovative communication channels for their end-users.