Orwell is a London based financial services group delivering breakthrough services that represent a transformational change to the way individuals, businesses, public sector organisations and other financial institutions manage cash and payment transactions. We use technology as a means to create change and to enable new business models for banking services. Orwell offers its services directly to end customers under the ipagoo brand and to credit institutions and electronic money institutions via white label agreements. ipagoo is the retail brand of Orwell Group. ipagoo offers the first ever pan-European current account service, allowing individuals and companies to hold accounts in as many countries as they need, in the countries where ipagoo is registered. Individuals and companies do not need to be a resident or incorporated there. ipagoo provides, among other things, online current accounts in various currencies and countries, debit cards and mobile payments. It enables seamless, real time, cross-border transactions for consumers and businesses for the first time. Our key markets are in Europe, although Orwell has been active in the APAC region as we see the same opportunities for growth there as we do in Europe. We have offices in the UK, Italy, France, Spain, Poland and New Zealand.