Member Info for JonnyRod

The delay is primarily due to new system and payment interface requirements requested by Conister Bank. Fiinu completed its own side of the development, and the structural launch timeline shifted because of a few specific operational adjustments.

Fiinu needed to design and build an outbound third-party payment interface explicitly tailored for Conister Bank. While Fiinu's core AI-driven underwriting, servicing functions, and core banking elements are already operational in a test environment, this additional payment layer requires extra engineering time before live market deployment.

Conister Bank successfully secured regulatory approval for the unbundled overdraft product. However, to ensure seamless execution, both entities extended their timeline to execute strict, cross-platform User Acceptance Testing on the final technical configurations

Once live, the initial rollout phase is tightly bound to a staggered release via Payment Assist Limited—another Manx Financial partner—which exposes the system immediately to a massive user base of over 1 million customers and 8,000 auto garages.

Frustrating, but the delay ensures that the front-end tech stack can smoothly handle this scale upon day one of the release.

Tied to MANX for 3 years from the go-live date, they have UK exclusivity. Future deals will have to be in Europe and the US.

Youtube Monday Upbeat Markets and watch the ceo interview from 1/6. He seemed pretty upbeat, no issues, although not long to go, still hopeful they'll launch Q2 think we're also at the mercy of MANX, and whilst we may be ready to go, the launch date will ultimately be down to them.

Max 30 days to go, time to get the show on the road

The delay is disappointing but in the long run it won't matter. As per LinkedIn 'the teams are now in user acceptance' 18 trading days to Q2....it's coming CEO says 40-50 by Christmas don't think we'll see 6p but if we do I'll join you in topping up. Once it's live with proof of concept I can see additional deals the EU and US coming in thick and fast.

Absolute crooks - was searching Jay LeCoque and came across a youtube clip, distinguished alumnus, his parents and wife talk about, just what an awesome, great guy he is ... nearly spat my tea out. Fraud, misinformation, cowboys and the regulatory framework not worth the paper it's written on. Lost a lot here.

Investigating themselves, no conflict of interest there then.

So the shares are worthless but if someone is looking to buy worthless shares in a company run by crooks then bingo asset match will match buyers with sellers

It was a comment the CEO made on LinkedIn a week ago. Finnu is getting a lot of attention on the back of being the best performing AIM share of 2025. Let's hope some of the big boys are now taking note, onwards and upwards for 2026

Dr Marko Sjoblom (Fiinu CEO)

My personal target by this time next year is another +500%, per the Admission Document 40-50p range.

You don't think they had to prove 'it works' when they were previously given authorisation by the PRA and FCA. 2025 has been an amazing year and it's just the start 2026 is going to be even better.

Wake up, the accounts now show whatever harwoods want them to show and they want them to show the company is a train wreck so they can take it private for peanuts. Either you believe the old management accounts or you believe jay lecoque & harwoods version both can't be correct and ask yourself who has the most to gain by manipulating them

If they do well, they're rewarded with stock, which is locked in so won't hit the market.

Ignore Oak he's still hoping for his generous 3p entry!

I doubt he's losing much sleep. would imagine Danny Lee got a nice big fat golden handshake along with an NDA to sign.

The old management team, while not dynamic, were dependable ran the company for 5 years, 100s of employees, audited accounts, regulators, satisfied the BOD many checks and balances over that time. Then Jay Lecoque comes in via Harwood's upping their share, within weeks, the whole company is a train wreck.

Accounts now show whatever Jay Lecoque and his harwoods paymasters want them to show. Danny Lee becomes the fall guy. Discover the whole company is a train wreck, smash the price into the ground, delist and take private for peanuts. Harwoods will have enough shares to pass whatever motion they want. PI left with next to nothing.

sneller sold out just before all this went down wow what an amazing coincidence

it stinks

5 month ago Danny Lee was being gifted shares for a job well done. Now the company's a trainwreck.

Danny and Dave done all this? I find it hard to believe surely it would mean a lot of key personnel have been keeping a lid on the vast incompetence that's been going on for them to be in this mess.

It just doesn't add up, something really stinks here.

Afew bed wetters

The joint development phase has now advanced to the final stages where the initial deployment and launch are scheduled to take place before the end of this year

They're on it, this is literally the only tech (independently valued at £ 45 million) that can do what they're doing. On top of the pluggin overdraft, we own Everfex doing over $1 billion spot, swap and forward contracts. More deals to come, and I still think they're going to relaunch their own banking license application in time. 5 shareholders own 72% of the company. Look at who they are, these guys don't lose money.

Great update

Conister Bank entered an exclusive partnership with Fiinu plc to provide seamless overdrafts for the UK market and is progressing as scheduled

Overview

I expect UK interest rates to remain higher for longer, with inflation remaining stubbornly above the Bank of England's target of 2%. This, along with the well-signposted tax rises which are anticipated to be announced in the forthcoming Budget, will further depress disposable income for both consumers and businesses alike. This economic environment suits our existing short-term lending products.

shouldn't be long until it goes live, while I'm not thrilled to be at these levels, This is the 1st take up to prove the concept, make 100% sence for them to take their time do all the testing and make sure the launch goes well than rush it and have issues.