Pagantis, an established fintech founded in 2011, provides automated, friction-free consumer finance for e-commerce transactions in Europe.
The company has originated over €500 million in online consumer loans on its proprietary platform, which has been developed leveraging the company’s expertise in data science, technology, regulatory compliance, and finance.
The Pagantis point of sale consumer finance platform for ecommerce (Paga+Tarde in Spain), allows consumers to pay for goods and services in monthly installments with a fully automated, paperless process and provides e-commerce merchants with a simple onboarding process to offer consumer credit in conjunction with e-commerce purchases.
The group operates a regulated entity, Pagantis SA EP (Bank of Spain Code 6875), a payment institute authorized and supervised by the Bank of Spain. This entity is authorized to:
(I) Issue payment instruments to consumers
(II) Acquire payment instruments on behalf of merchants
(III) Extend credit in relation to payment operations.
The Pagantis team consists today of over 100 professionals from over 20 countries.
The majority of the employees are technology and data science professionals, and the company has deep expertise in regulatory compliance and finance.
The group has a very strong and experienced senior management team:
President and co-founder of the group. He is a serial entrepreneur and early stage technology investor who started his career with the minitel in France, and has founded and incubated numerous payment and technology companies including Jet Multimedia, Electronic Group, Aedgency, Flumotion, Get Financing, and Fluendo.
CEO and co-founder of the group and has over 20 years of experience in the technology and finance sectors. He has worked for Ericsson, IBM, Goldman Sachs & Co., and Ardent Advisors, and has an MBA from the Massachusetts Institute of Technology and an MSc in Physics (Teknisk Fysik) from the Lund Institute of Technology.
CFO of the group, and has over 20 years of experience in investment banking in London, Madrid and Lisbon. He was previously a Managing Director at Credit Suisse and worked for Merrill Lynch, and has a degree in Economics with a major in Finance from Nova SBE.
CEO International and leads the groups expansion across Europe. He has previously worked for McKinsey & Co, Goldman Sachs & Co, Merrill Lynch and Apax Partners, and joined Pagantis from Banca Farmafactoring, where he was CEO of the Spanish branch.
COO of the group, previously worked at Management Solutions as a business consultant in the banking sector. She has a degree in Mathematics from the University of Cantabria, an Executive MBA from IESE and a FRM certification from the Global Association of Risk Professionals
Head of legal and compliance at the Pagantis Group and was previously the director of legal and compliance at Cofidis. He has a Degree in Law and Business Administration from Comillas Pontificia University.
CTO of the group, and previously independent software architect, as well as software engineer at Technikgruppe and at Graz University of Technology. He has a Bachlor’s and Master’s degree in Telematics from Graz University of Technology
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