We exist to be the invisible banking layer — the secure, autonomous infrastructure that allows any company to embed a full-stack banking and payments capability directly into its product, without a banking licence, without a compliance team, without integration overhead, and without delay. The next big bank will not be a well-funded startup. It will be a piece of software that people already use.
The businesses that will define the next decade are not those that replicate what already exists — they are those that own the foundational layer their industry runs on, build the product their clients cannot leave, and adapt to market realities at the speed of software.
Gemba's mission is to transform financial infrastructure from a barrier into a strategic advantage. We are an FCA-regulated banking infrastructure provider — the layer that sits between institutional banking rails and the businesses, platforms, and software companies that need them. We absorb the full weight of regulatory complexity, compliance management, and operational overhead, so our partners can direct every available resource toward growth. Our platform enables SaaS companies, early-stage fintechs, platforms, marketplaces, and virtually any organisation to embed a complete banking and payments stack directly into their product. Zero integration cost. Zero platform fees. Live in under seven minutes. Fully automatic. Clients require no compliance team and no customer support staff — Gemba provides both as a service. This is not incremental improvement to the existing banking model. It is a structural reimagination of who owns the financial relationship — and who profits from it. Gemba's BaaS 2.0 architecture transforms infrastructure integration from a cost centre into a profit centre. Access to financial infrastructure that previously required 18 months of regulatory engagement is now available in under seven minutes.
Gemba was founded by entrepreneurs with firsthand experience of the structural failures in business banking. In the course of building and scaling businesses across Europe, the founding team encountered the same obstacle repeatedly: opening a business bank account reliably and quickly was slow, opaque, and operationally costly. For early-stage businesses, account activation delays of weeks or months represented a material constraint. For established companies scaling internationally, fragmented banking relationships and reconciliation overhead consumed disproportionate management capacity. These direct experiences produced both the diagnosis and the design brief. The market needed a financial infrastructure partner that operated at the speed of commercial reality — not at the pace of legacy banking processes.
Eighteen months ago, Gemba launched BaaS 2.0 and went to market with that premise. Since then, the company has grown 20x. As of the most recent reporting period, Gemba has reached £4.4 million in Annual Recurring Revenue, processed £1.33 billion in Gross Merchandise Value, and achieved a 30x LTV/CAC ratio that demonstrates the capital efficiency required for global scale. Gemba is now listed on the Microsoft Commercial Marketplace and Google Cloud Marketplace, enabling technology companies worldwide to launch fully branded banking applications directly from their existing cloud procurement relationships. The company's EU expansion roadmap is fully funded for execution this year, US market entry is planned for 2027, and the imminent launch of stablecoin payouts will facilitate seamless cross-border commerce into Asia.
National recognition: Ranked in the EB100 — Elite Business Top 100 UK SMEs (Financial Services / FinTech)
Launched on Microsoft Commercial Marketplace
Launched on Google Cloud Marketplace
Selected for JPMorgan Chase Fintech Forward Programme
Reached 1.25 bln in GMV
Product development: Rebuilt onboarding stack for scale.
Recognition: Named UK Government-Recommended Banking Partner.
Funding: Raised from RSV Capital and key angel investors.
Product expansion: Launched multi-currency accounts and cards.
Gemba Joins Barclays Funding Readiness Programme Powered by Capital Enterprise
Gemba Joins the Grow Global London Programme Cohort
Strategic support: Joined EY Growth and London Trade Mission.
Tech Nation Rising Stars Regional Winner
National recognition: Voted UK’s most promising fintech startup.
Tech Nation Fintech Programme
Gemba operates with honesty and transparency in all interactions — with clients, partners, regulators, and internal stakeholders. Every financial relationship we manage is built on the same standard of trust we require of our partners. We do not distinguish between what we say and what we do.
Each member of the Gemba team takes full ownership of their work and is accountable for delivery against the highest standards of professional conduct. Individual accountability compounds into collective reliability — for clients, partners, and the broader financial system in which we operate. We accept liability, not as a legal formality, but as a commercial and moral commitment.
The market does not wait. Gemba operates with the conviction that speed of execution is a competitive differentiator — not just in product deployment, but in decision-making, partner onboarding, and strategic response. We deploy new features at an unprecedented pace through the active deployment of Agentic AI across our engineering function, ensuring that our platform evolves faster than the market's demands.
Gemba fosters a culture in which team members are expected to exercise independent judgement, drive constructive change, and take initiative without requiring instruction. Open communication, cross-functional collaboration, and an uncompromising commitment to client outcomes define how we work.
The quality of Gemba's platform is a direct function of the expertise of the team that builds it. We invest deliberately in the continuous development of our people — through structured training, mentorship, access to senior institutional networks, and a culture that rewards curiosity and mastery.
Gemba operates with a deliberate commitment to diversity of background, experience, and perspective. Our team of 40 is built to combine institutional banking depth with elite engineering capability — because we believe that the best financial infrastructure is built at the intersection of domains, not within a single one. We also support charitable and volunteer initiatives aligned with social and environmental sustainability goals in the communities in which we operate.
At Gemba, we understand the challenges businesses face, and we’re here to provide a seamless financial and business management experience that fuels your success. Whether you’re a startup or an established company, our innovative banking and management solutions are designed to simplify your management and help your business thrive. With Gemba by your side, you can focus on what you do best – driving innovation, growing your business, and making a positive impact in the world.
Authorized and regulated by the Financial Conduct Authority UK (Reference number: 804853)
Gemba is a part of FinTech 5.0 Cohort
Gemba was selected as CityWinner of RisingStars 5.0. in London
Our platform is designed to enhance your clients payment experiences, enabling seamless transactions that boost your revenue effortlessly.
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Read more about Gemba shortlisted for PayTech Awards 2026 as UK challenger reshapes embedded banking...
Read more about Gemba Appoints Former J.P. Morgan and Goldman Sachs Executive Robert Wade as Fractional Chief Revenue Officer...
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