Citizen is an award-winning European fintech, founded in 2017 by former Worldpay CTO, James Neville, and was one of the first companies licensed to provide payments and identity services using open banking. Citizen's instant cardless payments (account-to-account (A2A) bank transfers) are faster, more secure and more cost-effective than cards, and used by businesses across a wide range of sectors to transform their payment processing. With headquarters in London, Citizen is backed by leading investors including Metavallon VC, SGH Capital and Fin VC.