Albion team join Fluxx

a peer-to-peer loans business into a
customer-led bank





Revenues have increased under Jaidev’s leadership


Banking licence approved in December 2018


“Albion helped us create a brand positioning that we hope will support our growth as we add a bank alongside our peer-to-peer loans business”

Jaidev Janardana,
CEO, Zopa


Zopa invented peer-to-peer lending in 2005. But as this innovation drew strong competitors into their market, they quickly realised they couldn’t survive as a niche product for early-adopters.

Zopa also understood that whilst the business had a strong culture, they hadn’t yet translated this into a distinctive and clear positioning that would catapult them from the fringes of fintech to becoming a mainstream consumer brand.


Meanwhile, newly appointed CEO, Jaidev Janardana had set about finding ways to unlock growth and manoeuvre the business into a position where it could apply for a banking licence.


Over the course of a two and a half year relationship, we helped Jaidev and his senior team understand and test different trajectories for the business, before translating the agreed vision into a new positioning, brand identity, and suite of digital products and services.


The cross-functional client-agency team we built worked at pace to rebuild the highly optimised data-driven current business whilst in parallel prototyping the products that would form the backbone of the future banking model.


In December 2018 Zopa became the first business of its kind to be awarded a full UK banking licence.