Pollinate

Pollinate is a financial technology company that provides a white-label, cloud-based platform for banks to enhance their service offerings for small and medium-sized businesses (SMBs). Founded in 2017 by Alastair Lukies and Fiona Roach Canning, the London-based firm aims to help banks compete with fintech disruptors by strengthening their relationships with business customers.

The company's core product is a digital experience platform that integrates with a bank's existing systems. It allows banks to provide their SMB clients with a unified dashboard to manage various aspects of their business. Key features include merchant services, payment processing, digital onboarding, loyalty programs, marketing tools, and business insights derived from transaction data. This enables SMBs to access services historically available only to larger corporations, such as integrated accounting, digital invoicing, and detailed sales analytics. Pollinate's platform is designed to be non-invasive, future-proofed, and can integrate with any banking system globally.

Pollinate operates on a B2B model, partnering with one leading bank per geographic region to create a global network. Its revenue is generated by providing this platform-as-a-service to financial institutions. Major partners and investors include NatWest (for its 'Tyl by NatWest' service), National Australia Bank (NAB), Truist, Fiserv, and Mastercard. The company has expanded its operations from its headquarters in London to include a North American office in Charlotte, North Carolina, to serve clients across multiple continents.

Keywords: merchant services, white-label banking platform, SMB digital banking, financial technology, fintech, business banking solutions, embedded finance, payment processing, digital onboarding, customer loyalty programs, data analytics for banks, Platform-as-a-Service, PaaS, bank-fintech partnership, merchant acquiring, digital experience platform, cloud-based banking, SMB financial tools, transaction management, API-enabled platform