Future of money
Backing the companies that will transform the way we exchange and allocate resources as a society.
“To be able to fund and occasionally really help entrepreneurs realise their ambitions makes being a VC not only a real responsibility but also a genuine privilege.”
Prior to joining Octopus, Jo was investor and entrepreneur in a range of businesses, having spent much of his previous career as an equity analyst at NatWest, Merrill Lynch and Lehman Brothers, focussing on the Mobile Operators such as Vodafone. Jo is a qualified chartered accountant and read Natural Sciences at Durham University. When not at work Jo tries to keep fit and enjoy beautiful Dorset with his family, where he lives.
“Product, service and business model innovation experienced over the last 10 years has ramped up the expectations of consumers, who now demand more personalised services, seamless experiences and better value for money. This, alongside the erosion of trust in the incumbent household names, creates an exciting opportunity for pioneering entrepreneurs, in particular within the Fintech and Insurtech sectors, where these incumbents are slower moving and addressable markets are huge.”
Malcolm has a first class degree in BBA Management from Lancaster University.
Nick has co-founded companies on both sides of the Atlantic. In London, Nick launched Mojo, a SaaS platform for the beauty and wellness industry. Prior to that, Nick started SnagTag, a New York based retail platform which focused on improving the shopper experience through near field communication enabled clothing labels.
“Co-founding two businesses has provided a crash course in company building: we had successes, failures, raised funding, and exited, all in a short space of time.”
Nick holds a double major in Finance and Economics from the University of Miami School of Business. Outside of investing, Nick is a keen footballer (still chasing the dream) and enjoys kitesurfing or skiing, depending on the season.
Tosin holds a BA from Duke University and both Law and MBA degrees from Yale University.
“It’s my personal belief that the open incentive structures that we can build on public distributed ledgers will unleash an unprecedented level of innovation that we can’t yet foresee. Among its effects will be more liquid and competitive markets that will lead to reductions in cost of living, and the proliferation of a new class of scarce digital goods that have a wide set of use cases.”
Zihao was born in China and holds a BA in Economics and Management from the University of Oxford, where a curiosity in Austrian business cycle theory led him down the rabbit hole of denationalised money and permissionless distributed ledger ecosystems. Outside of the office Zihao is obsessed with travel and has organised and led fossil-fuelled adventures covering a total of 20,000 miles on five continents.
In the press
Uber Money marks a new paradigm
Zihao Xu tells Sifted that Uber’s mobile wallet is an example of fintech opening a door to the ‘under-banked’
Everybody needs financial advice, but few get it – that could be about to change
Zihao Xu asks, will the digitisation of financial advice also lead to its democratisation?
How can we close fintech’s gender gap?
Juliette Souliman puts New Statesman Tech straight on the new realities of fintech.