Francis Hellawell
Business Architect — Banking Transformation
I work across retail and commercial banking, payments, regulatory change, core banking replacement, and challenger bank set-up. My focus is the architecture that sits between strategy and delivery: the operating model, value chain, and capability design that decide whether a transformation actually lands.
Recent work spans the UK's first mobile-only challenger build, large-scale core banking and treasury transformation, and advisory on embedded finance and BaaS architecture — mapping economic flows before a single line of monetisation is committed.
Outside banking architecture, I support my partner's tutoring business and back my two sons through university — including one currently leading the drive train on his university's Formula Student team.