Our purpose and strategy
Our purpose is Helping Britain Prosper.
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Who we are
- About the Group
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Purpose and strategy
SustainabilitySustainability
We have an important role to play in creating a more sustainable and inclusive future.
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Brands
Our brandsOur brands
Lloyds Banking Group incorporates many household names.
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Heritage
Read the articleWho was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
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Sustainability
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Climate and nature
Download the report Opens in a new tab (PDF, 2.3MB)Sustainability report 2024
This report provides an update on our progress towards the Group's sustainability ambitions.
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Our people
Health and wellbeingHealth and wellbeing
We put you first, so you can put our customers first.
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Regional development, charities and communities
Our Foundations40 years of Foundations
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
- ESG policies and downloads
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Climate and nature
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Investors
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Annual report
Annual report highlights PDF, 15MB (opens in new tab)Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.
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Investor news
Financial calendar Financial calendarFinancial calendar
See all the key dates in the financial year.
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Shareholder information
Our investment caseWhy invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
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Annual report
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News & insights
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Insights
Read the articleDigital twins and the future of innovation
Digital twins are revolutionising industries across the globe, including financial services.
- Group news
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Insights
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Careers
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Roles and departments
Search for jobsTech and data roles
Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
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Culture and inclusion
Read Xinyi's storyMusic and Data & AI
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
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Brands
Our brands
Our brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
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- Learn and develop
- About applying
- Early careers
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Roles and departments
- Contact
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About the Group
About the Group collapsed
Purpose and strategyOur purpose and strategy
Our purpose is Helping Britain Prosper.
-
Purpose and strategy
Purpose and strategy collapsed
Sustainability
Sustainability
We have an important role to play in creating a more sustainable and inclusive future.
-
Brands
Brands collapsed
Our brands
Our brands
Lloyds Banking Group incorporates many household names.
-
Heritage
Heritage collapsed
Read the article
Who was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
- Downloads
-
Climate and nature
Climate and nature collapsed
Download the report Opens in a new tab (PDF, 2.3MB)
Sustainability report 2024
This report provides an update on our progress towards the Group's sustainability ambitions.
-
Our people
Our people collapsed
Health and wellbeing
Health and wellbeing
We put you first, so you can put our customers first.
-
Regional development, charities and communities
Regional development, charities and communities collapsed
Our Foundations
40 years of Foundations
Our charitable Foundations are celebrating 40 years of tackling social disadvantage and Helping Britain Prosper.
- ESG policies and downloads
-
Annual report
Annual report collapsed
Annual report highlights PDF, 15MB (opens in new tab)
Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.
-
Investor news
Investor news collapsed
Financial calendar Financial calendar
Financial calendar
See all the key dates in the financial year.
-
Shareholder information
Shareholder information collapsed
Our investment case
Why invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
-
Insights
Insights collapsed
Read the article
Digital twins and the future of innovation
Digital twins are revolutionising industries across the globe, including financial services.
- Group news
-
Roles and departments
Roles and departments collapsed
Search for jobs
Tech and data roles
Build something that changes everything. Join us as we explore new ideas and technologies to reshape the world of finance.
-
Culture and inclusion
Culture and inclusion collapsed
Read Xinyi's story
Music and Data & AI
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
-
Brands
Brands collapsed
Our brands
Our brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
- Benefits
- Learn and develop
- About applying
- Early careers
- Search jobs
Fintech investment
The fintech ecosystem is one of the most exciting and dynamic industries in the UK. Our Fintech Investment team is helping to bring the benefits that these innovative companies provide to the Group and our customers and clients, while supporting the sector to grow.
Why fintech investments?
Fintech (financial technology) is revolutionising the ways we think about and interact with our money. Recent years have seen the arrival of contactless payments, blockchain and Open Banking. With over 2,500 fintech companies in the UK, the industry is a real success story for British business.
An important part of the Group’s strategy is to target investments in companies and technologies that create value. We want to harness the dynamism and creativity in the sector, and bring it into what we do every day to support our customers and clients.
Our approach
We build the bridge between the needs of our business and personal customers, and the fintech community. Our team looks to take minority equity stakes in early-stage fintechs – from Seed to Series B – to help accelerate the Group’s pace of change, and help us look further forward than we have before. This represents a cultural step-change for the Group, as we look to emulate the speed and energy of the fintech sector.
Our Fintech Investments
Aveni
Developing FinLLM, an industry-aligned Large Language Model, aiming to set the standard for the ethical adoption of Generative AI across UK financial services.
Coadjute
Uses distributed ledger technology to securely connect existing property software systems throughout the house buying process.
Enigio
Provides solutions for secure, traceable, and consistent digital information management, with their bespoke trace:original solution.
CoBa
A cloud-hosted platform that enhances collaboration between businesses and banks by sharing information and services in real-time.
Fennech
Utilises AI and cloud-based technology to automate finance processes, bridging businesses and banks for seamless account management.
Yoti
A digital identity company that simplifies identity verification online and in-person, contributing to the UK’s digital ecosystem growth.
Ocula
Empowers businesses with key insights through its digital and data science platform.
Caura
Simplifies car admin for UK drivers by consolidating driving-related payments into one app.
Acin
Enhances risk and control management with data-led solutions, supported by our fintech investment.
Moneyhub
A leading open finance and payments platform.
ThoughtMachine
Develops innovative banking technology for customer improvements.
Satago
Provides a digital platform for Single Invoice Finance and Whole-Book Invoice Factoring.
Form3
Simplifies and accelerates payment architecture capabilities.
Fnality International
Utilises blockchain for a digital cash system in financial transactions.
Working with us
We’re constantly on the look-out for new and exciting investment opportunities or partnerships that can deliver substantive change for our business and our customers. If you’re interested in investment, please email us. Or if you’re interested in partnership opportunities, find out more about how we work with fintechs.
Meet the team
News and insight
Published on: 19 January 2023
7 min read
What's next for fintech in 2023?
Find out what Kirsty Rutter, the Group Strategic Investment Director thinks will be the top fintech trends in 2023, and what organisations should prioritise.
06 June 2022
4 min read
Working together with fintech SMEs
We started our Launch Innovation Programme alongside Fintech Scotland to work in partnership with, and learn from, some of the best fintech SMEs in the country.