Our mission is to empower
online businesses with services

that make the onboarding and payment
journey a better, secure and faster
experience.

Who we are

We are a Cypriot Headquatered company with over 10,000 shareholders.

Our company focuses on leading emoney, payments and identity technology company.

Our product offerings all revolve around optimising the online payment experience. We provide to cross-border, regulated and high value businesses with a complete customer onboarding solution, remote identity verification, payment processing, card acquiring, settlement and deposit-taking eMoney services.

With a unique set of tech capabilities, partnerships and license combinations across Europe and Australia, we are positioned to offer solutions through a single relationship and technical integration.

company-about-2nd

Who we are

We are a Cypriot Headquatered company with over 10,000 shareholders.

Our company focuses on leading emoney, payments and identity technology company.

Our product offerings all revolve around optimising the online payment experience. We provide to cross-border, regulated and high value businesses with a complete customer onboarding solution, remote identity verification, payment processing, card acquiring, settlement and deposit-taking eMoney services.

With a unique set of tech capabilities, partnerships and license combinations across Europe and Australia, we are positioned to offer solutions through a single relationship and technical integration.

Our Story

company-about-3rd

The company first developed an identity verification product that aimed to prevent Card Not Present (CNP) fraud in order to protect consumers and merchants from the growing challenge of online fraud.

ISX Financial was granted patents in a number of jurisdictions and used those patents to form the basis of enhanced due diligence for the purposes of on-boarding, becoming Australia’s first listed RegTech (Regulatory Technology) company.

The company will consistently add new products that add value to regulated, online businesses and brings unique innovation in the ecosystem of online payments and neobanking. Our people and culture are the secret behind our technology and product success. We are equipped with specialised legal and technical know-how, but most importantly we have a shared vision of offering innovative services for the businesses of today.

What makes us different

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We simplify the complexity of consuming financial services online. For companies in the regulated AML/CFT space, accepting payments can be a devious task as more and more consumer data needs to be collected at every step, to mitigate concerns of financial fraud and meet compliance requirements.

We step in to fill-in the regulatory gaps and help our customers achieve more through seamless and secure global payments.

Security is our top priority

We develop proprietary technology to offer solutions that optimize the entire payments cycle, leading to faster and simpler onboarding and processing for both the benefit of merchants and end-users.

Reliable yet Disruptive Innovation

We don’t take the easy way out. We plan for long-term success with transparency along the way.

Our in-house developed and patented platforms Paydentity ,Probanx ® and ISXPay ® are at the forefront of financial technologies and it is our mission to keep evolving and inventing solutions that help our customers achieve more.

Milestones

2018

Acquired Probanx, a complete core banking software system, currently servicing 15 banks across all 5 continents

2019

Acquired BBS Baltic Banking, which provides API-based access to SEPA Core, SEPA Instant and SEPA Business Schemes

2018

Developed our deposit-taking capabilities with our own issued IBANs locatable via our Bank Institution Code (BIC) ISEMCY22XXX

2018

Developed our deposit-taking capabilities with our own issued IBANs locatable via our Bank Institution Code (BIC) ISEMCY22XXX

  • Directors
  • Executive
  • Operations
  • Sales
Takis Taoushanis
Independent Chairman
Takis Taoushanis
Independent Chairman

Mr Taoushanis holds a BSc degree in Economics, and a Master’s in Business Administration received from the London School of Economics and the London Business School, respectively. Mr Taoushanis brings extensive banking and finance knowledge and experience to iSignthis having spent over 30 years in the industry in various senior roles.

Prior to joining the ISX board  Mr Taoushanis has worked for some of the worlds largest banks in a number of different locations including, Chicago, Greece, Hong Kong and Cyprus. This includes serving at Continental Illinois National Bank of Chicago for four years, the Hong Kong and Shanghai Banking Group *(HSBC) for Eighteen years, with twelve of those as the Managing Director of the Cyprus subsidiary, and eight years as the Chief Executive Officer of the Cyprus Development Bank.

Since 2011 Mr Taoushanis has been working with the private firm TTEG & Associates, providing services as an advisor to several companies.

In August 2016, Mr Taoushanis was appointed as the Chairman of the Cyprus Cooperative Bank, a systematically important bank in Cyprus, after receiving approval from the Central Bank of Cyprus, the European Central Bank and Cyprus Parliament. Mr Taoushanis served until his resignation 13th October 2017.

The company has also appointed Mr Taoushanis as its representative to the European Cards Stakeholders Group (ECSG), of which the company was a founding member.

Directors
Niko-Giannis Karantzis
Managing Director and CEO
Niko-Giannis Karantzis
Managing Director and CEO

Mr.Karantzis is the founder and Managing Director/CEO of ISX. He holds qualifications in engineering (University of Western Australia), law, and business (University of Melbourne), with a broad understanding of international regulatory regimes as they relate to payments, money laundering and identity. Mr. Katantzis has over 20 years’ experience across a number of sectors including payments, online media, AML, defence and secure communications.

Directors
Paul Barnes
Independent Non-Executive Director - Elect
Paul Barnes
Independent Non-Executive Director - Elect

Mr. Barnes has international business experience in venture development in both the financial services and technology sectors and has been involved in M&A activities for over 30 years. An experienced executive and latterly non-executive director with Tristel PLC (TSTL.L) an LSE AIM market Listed healthcare company where he has served as Chairman of the Company and as Chairman of the and Audit and Risk Committee. He is also an independent director of ASX listed Etherstack plc (ASX:ESK) which specialises in wireless technology including waveforms and public mobile radio solutions.

Mr. Barnes is a Fellow of the Association of Chartered Certified Accountants and is a Member of the UK’s Chartered Institute for Securities and Investment.

Mr.Barnes was elected a director of the FCA regulated authorised electronic money institution, ISX Financial UK Ltd in September 2020

Directors
Timothy Joseph Hart
Independent Non-Executive Director - Elect
Timothy Joseph Hart
Independent Non-Executive Director - Elect

Mr. Hart has Chaired ISX since 2015. He was formally the Managing Director & Chief Executive Officer of Ridley Corporation Limited  (ASX:RIC) from April 2013 to July 2019, which he joined after an extensive career in agribusiness and manufacturing. His varied experience covers general management, strategic marketing, sales and supply chain. Before joining Ridley, Tim was the CEO of Sugar Australia for eight years, prior to this he has had a long career in fast moving consumer goods (FMCG) industry with SCA and in packaging with Carter Holt Harvey, ACI and Amcor, where he dealt with retailers and large food and beverage customers.

He is a Fellow of the Australian Institute of Company Directors and of the Institute of Managers and Leaders (Australian and New Zealand).

From 2007 to 2012 Tim was a Director of the Australian Food & Grocery Council, and Chair of the AFGCs Corporate Affairs Committee. He also Chaired the AFGC Agribusiness Forum. Tim is currently a Director of Enactus Australia (SIFE) (since 2009) and was also a Director of the World Sugar Research Organisation (2010-13).

He is a guest Lecturer and Mentor at the Faculty of Veterinary and Agriculture, University of Melbourne, an Ambassador (former Director) of the National Association of Women in Operations, and has been a member of the Monash University Food and Agriculture Initiative, Advisory Board.

Tim has two Post Graduate Diplomas from Said Business School, The University of Oxford (Strategy & Innovation and Organisational Leadership) and he holds a number of degrees from The University of Melbourne - Bachelor of Science, Master of Management and Master of Marketing and Master of Education.

Directors
Panikos Pouros
Independent Non-Executive Director
Panikos Pouros
Independent Non-Executive Director

Mr.Pouros holds a B.Sc & M.Sc in Economics from the London School of Economics and the University of Aberdeen, respectively. Mr. Pouros also holds a certificate from the International Monetary Fund Institute (USA) and the European Institute of Public Administration (Maastricht-Netherlands).
Mr. Pouros has extensive experience in governmental economic affairs having worked as Permanent Secretary at the Economic Planning Bureau, at the Ministry of External Affairs (DG European Union) and at the Ministly of Agriculture Natural Resources and Environment of Cyprus. He has also served as President of the Board of Directors of the Research Promotion Foundation, of the Agricultural Insurance Organisation, and of Eurolife Insurance.


Mr. Pouros has also been a member of the economic research unit of the University of Cyprus, the Economic Advisory committee to the President of the Republic of Cyprus, and the negotiating team of Cyprus during the EU accession negotiations. He has also been member of the broad of directors of the Human Resource Development Authority, the European Institute, the Town Planning Council and various other boards and committees in Cyprus.

Directors
Adonis Pegasiou
Independent Non-Executive Director
Adonis Pegasiou
Independent Non-Executive Director

Mr Pegasiou holds a BSc degree in Economics from the London School of Economics (LSE) and a Masters from the University of Bristol in European Policy Studies. Mr.Pegasiou further holds a Ph.D. from the University of Manchester in Politics. Additionally, he then received funding to undertake a post-doctoral fellowship to study the Europeanisation of Cyprus’s Economy and was based at the European University of Cyprus and in cooperation with the LSE and the University of Manchester

Mr.Pegasiou has over 10 years’ experience in academia which includes him lecturing at both the ‘University of Cyprus’ and the  ‘European University of Cyprus’ and is currently the Academic Director at the ‘European Institute of Management and Finance’.

 

In addition, Mr.Pegasiou has over a decade experience as a consultant for the public and the private sector, where he served on the Boards of Cyprus Airways as well as most recently the Cyprus Cooperative Bank, among other. He holds a number of professional qualifications including Certificate in Risk in Financial Services (offered by CISI), Certified Global Sanctions Specialist Certification (offered by ACAMS) and Diploma in ‘Governance, Risk and Compliance’ (offered by ICA).

Directors
Dominic Melo
Executive Director and Chief Product Officer
Dominic Melo
Executive Director and Chief Product Officer

Dominic Melo is an expert on payments and a skilled security consultant.

Dominic has played key roles, especially in the financial services IT arena, in designing, executing and analyzing projects for the international B2B and B2C markets. His proven record of driving product solutions in high-growth, performance-focused environments, makes him a valuable addition as the company reinforces its payment services. Dominic has previously held director and senior roles at EU regulated Payment Service Providers.

Directors
Elizabeth Warell
Executive Director and Chief Financial Officer
Elizabeth Warell
Executive Director and Chief Financial Officer

Elizabeth is the CFO and Company Secretary of ISX. Elizabeth holds an undergraduate degree in accounting from Monash University and is a member of the Chartered Accountants Institute of Australia and New Zealand. She is also a graduate of the Australian Institute of Company Directors, Company Director Course. Elizabeth has almost 20 years’ experience in banking and financial services, in Australia and internationally.

Directors
Niko-Giannis Karantzis
Managing Director and CEO
Niko-Giannis Karantzis
Managing Director and CEO

Mr.Karantzis is the founder and Managing Director/CEO of ISX. He holds qualifications in engineering (University of Western Australia), law, and business (University of Melbourne), with a broad understanding of international regulatory regimes as they relate to payments, money laundering and identity. Mr.Karantzis has over 20 years’ experience across a number of sectors including payments, online media, AML, defence and secure communications.

Executive
James Cameron
Chief Risk Officer
James Cameron
Chief Risk Officer

Appointed as of February 2018. A 16-year banking professional having worked for the Bank of New Zealand, Bank of Scotland International (LSE:HBOS), Lloyds Banking Group (LSE:LLOY) and most recently the National Australia Bank (ASX:NAB). From managing distressed debt portfolios to growing new business verticals in the payments and card acquiring space, his track record ascertains his invaluable expertise as the company continues to invest in its risk management expertise and systems.

Executive
Elizabeth Warrell
Chief Financial Officer & Company Secretary
Elizabeth Warrell
Chief Financial Officer & Company Secretary
Elizabeth is the CFO and Company Secretary of ISX. Elizabeth holds an undergraduate degree in accounting from Monash University and is a member of the Chartered Accountants Institute of Australia and New Zealand. She is also a graduate of the Australian Institute of Company Directors, Company Director Course. Elizabeth has almost 20 years’ experience in banking and financial services, in Australia and internationally.
Executive
Dominic Melo
Chief Product Officer
Dominic Melo
Chief Product Officer

Dominic Melo is an expert on payments and a skilled security consultant. Dominic has played key roles, especially in the financial services IT arena, in designing, executing and analyzing projects for the international B2B and B2C markets. His proven record of driving product solutions in high-growth, performance-focused environments, makes him a valuable addition as the company reinforces its payment services. Dominic has previously held director and senior roles at EU regulated Payment Service Providers.

Executive
Andrew Evers
Chief Technology Officer
Andrew Evers
Chief Technology Officer

Mr. Evers holds a BSc in Information Technology from the University of Western Australia with First Class Honors. Mr. Evers has over two decades experience covering Banking, Finance & Administration, and Contact Center Services.


Mr. Evers has delivered multiple complex platforms and products for customers and partners, ranging from technology migrations to greenfield product launches. These include Cronacle V8 (also known as SAP Business Process Automation by Redwood), RunMyJobs (Hybrid Cloud Workload Automation).
Prior to Mr.Evers current role as CTO for ISX he also held the position of CTO for DXC's Business Process Services offering group covering Banking, Finance, Administration and Contact Center Services. In addition, Mr.Evers was CTO at Redwood Software, where he was responsible for the entire product portfolio, including RunMyJobs , Report2Web and ancillary solutions.

He has contributed to the Apache Software Foundation and to the Java Community Process (JSR 236: Concurrency Utilities for Java™ EE, JSR 237: Work Manager for Application Servers), and spoken at JavaOne.

Executive
Paul Singh
Chief Compliance Officer
Paul Singh
Chief Compliance Officer

Mr. Singh holds a M.Sc. from the University of Sussex in Medicinal Chemistry as well as a Certification from the UK Financial Conduct Authority in Controlled Function 10 & Senior Management Function 16. Mr.Singh brings extensive banking and regulation experience to our organisation having spent over 10 years in the industry in various senior roles.


Mr. Singh’s experience includes almost five years with one of the largest central banks of Europe when he worked for the ‘Bank of England’. Mr. Singh held the role of Manager of Prudential Regulation before taking on the role of Senior Adviser. Prior to that role, Mr.Singh held a role at the UK’s Financial Conduct Authority as Regulator which he held almost 3 years. Mr.Singh has also held other significant roles throughout the UK such as Head of Compliance Markets at State Street and Chief Compliance Officer at XP Investments UK.

Executive
Kyriaki Pilia
Head of European Risk
Kyriaki Pilia
Head of European Risk

Ms. Pilia holds a B.Sc & M.Sc in Mathematics both from the University of Memphis in the United Stated of America. Ms. Pilia has over 18 years of Banking Experience in key roles in both the United States of America as well as in Cyprus.

Ms. Pilia has held several key roles in Risk Management including serving as the Assistance Vice President of Credit Risk Finance at Washington Mutual/JP Morgan  – Chase. In addition, Ms. Pilia held positions at Piraeus Bank for over 8 years in both Risk Management as well as Analytics and MIS Supervisor. Most recently Ms.Pilia held the position of Manager of MIS and Business Analytics at Astro Bank for almost 5 years. Ms. Pilia is now the Head of European Risk for our team where she leads the Underwriting team, the European risk team (including fraud, transaction monitoring and charge backs/Recalls) and provisioning/back-office team.

Operations
Anna Ilina
AMLCO
Anna Ilina
AMLCO
Anna Ilina has been woking in the payments industry for over 15 years. She has an extensive experience as AMLCO in electronic money services in Cyprus. Her previous experience includes banking and financial analysis, making her an asset for a fast-growing, result-oriented company.
Operations
Karolos Shahbenderian
Financial Controller
Karolos Shahbenderian
Financial Controller

Karolos Shabendenderian is an experienced finance function leader having been the founding financial controller at ISX Financial Europe since 2017. He is a member of the Association of Chartered Certified Accountants (ACCA) and has completed a number of training courses related to payments systems, data security and regulatory compliance.

He has built and leads a team that are responsible for corporate accounting, regulatory compliance and reporting, financial reporting as part of a complex group, budgeting and forecasting, treasury operations, internal controls and operational policies and procedures.

In his role he is responsible for the efficient operation of the organisations acquiring payment processing operations and has led a number of critical software implementations and enhancements.

Operations
Viera Mylonas
Customer Support Manager
Viera Mylonas
Customer Support Manager
Viera manages and leads our Client Services teams in Cyprus and Australia.
 
With over 15 years of experience in financial services. Her experience and customer orientated approach were essential when creating our customer facing teams, which were carefully selected offering seamless assistance and offer a high level of service. Her professional experience was gained in the banking sector, which allows her to retain a strong sense of urgency with regards to client satisfaction. Viera’s’ professionalism exceeds in establishing working relationships with new and existing customers, offering superior Customer service.
Operations
Stephen Watson
Lead Security Officer
Stephen Watson
Lead Security Officer

Stephen is an accomplished IT professional with over 20 years’ experience and a Cybersecurity focus over the last 10 years.

His experience has seen him involved in roles from a diverse number of sectors including Consultancy, Retail, Government, Banking and Financial Services. He has a broad understanding of the numerous information security domains and strengthened his risk, compliance, and regulatory experience at Barclays in the UK and ANZ in Melbourne.

Operations
Elena Paphiti
Legal Counsel
Elena Paphiti
Legal Counsel

Elena holds a Bachelor of Laws from the University of Leeds as well as a Master of Laws from the University of Manchester. With over a decade experience in the legal space, Elena is also a member of the Cyprus Bar Association since 2011.

Elena joined the company’s legal team in June 2017, having previously worked for more than 4 years in a law firm in Nicosia. She has also acquired work experience in the Administrative Service Providers sector, as she worked for 2 years in an administrative service provider firm in Nicosia.

Operations
Chrysi Memsa
Principal Product Manager
Chrysi Memsa
Principal Product Manager
Chrysi Memtsa holds an undergraduate degree in Economics from Aristotelion University of Thessaloniki (Greece), an MSc in Business Finance from Brunel University (UK) and a PhD in Finance from Durham University (UK). Chrysi has over 20 years of experience in banking, financial services and asset management in Greece and Cyprus. She has extensive leadership track record as has previously headed Treasury, Transactions and Asset Management Divisions in leading financial institutions, pension fund and asset management companies. Her expertise covers structural development of financial transactions & products, financial data modeling, financial accounting & management, asset & risk management strategies, money & capital markets and business strategy.
Operations
Andrew Karantzis
Global Sales and Marketing Director
Andrew Karantzis
Global Sales and Marketing Director

Andrew Karantzis is ISX Global Sales and Marketing Director, reporting to the Managing Director. Andrew has helped the company create a Global Sales and Marketing team. Most recently, he served as Founder, CEO and Director at DiverseIT, an Australian Technology provider to mining and enterprise customers. Andrew has over 20 years’

Sales
Mark Fisscher
Sales Director, Northern Europe
Mark Fisscher
Sales Director, Northern Europe

Mark is the Sales Director for Europe. Mark holds a Master's Degree in Business Administration (University of Amsterdam) and has been working in Payments and Fraud for the last 10 years. Mark has lived in a number of different cities including Melbourne, Lissabon, Prague and is now fully operational from the Amsterdam office responsible for selling the iSignthis payments, identity and banking products. 

Sales
Chris Henry
Sales Director, UK & Ireland
Chris Henry
Sales Director, UK & Ireland

Chris Henry is SVP UK&I. A 15 year Regulated Financial & Gaming Sector professional. Chris has played a key role in start-up Fintech’s and their go-to-maket execution. Having worked for 192.Com, GBG Group PLC (GBG.L), Onfido Ltd and Experian (EXPN.L). From managing global payments, banking, KYC/AML/Risk and latterly leading Open Banking in the UK. Chris’s perception of payment and compliance trends, his business acumen and vision make him an invaluable asset to any entity wishing to work with iSignthis.

Sales
Moran Ostrovski
Sales Director Israel
Moran Ostrovski
Sales Director Israel
Sales
Aleksandra Sobolewska
Relationship Manager
Aleksandra Sobolewska
Relationship Manager

Aleksandra is a Relationship Manager at ISX for almost two years since she joined the company in 2018. With over a decade working in both Sales and Management roles her experience helps brings her expertise to the role. Her experience has overlapped several industries including Forex, Export and Retail. Aleksandra is also currently finalizing her Banking degree at WSZIB University in Poland.   

Sales
Rita Toth
Relationship Manager
Rita Toth
Relationship Manager
Rita is an Account Manager for ISX's clients based in Cyprus and Co-ordinates ISX sales worldwide. She studied business administration and gain professional experience in banking. Rita is customer driven and dedicated to archiving results and providing exceptional client relationship and account managing services
Sales
Kristaps Dobrajs
Sales Director
Kristaps Dobrajs
Sales Director

Kristaps has a 10+ year track record in driving cross-functional team successes in payments, e-commerce, retail and telecommunications, with "scaling sales" as his mantra through this journey. Always keen to share his insights in managing the expectations and requirements between technology and business, Kristaps now employs his experience to accelerate ISX Financial’s evolution into the next Fintech unicorn.

Sales

Office Locations

We are Headquartered in Nicosia, Cyprus with Operations centres in Melbourne and Vilnius and regional offices across Europe and the U.S.A.

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Australia | Cyprus | Israel | Lithuania | Malta | Netherlands | U.K. | U.S.A
Get in touch

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Our team is always happy to help.

Contact us