192.com Limited is a British company that publishes an online directory as well as information contained within the public domain for the UK, based in London.
192.com contains circa 700 million residential and business records. Of these records, 200 million come from the 2002-2017 edited Electoral Rolls, though some of these are duplicate records, 28 million people were on the edited Electoral Roll in 2015. 192.com’s other records come from Companies House Director Reports, the Land Registry, and Births Deaths and Marriages Data for England] and Wales. 192.com also publishes a directory of UK businesses, providing company credit reports, financial statements, employee numbers, current and previous directors, web mentions and county court judgements. Registered users can also add details to any business listings using User Generated Content of non-limited companies in addition to limited companies.
Barclays plc is a British multinational investment bank and financial services company, headquartered in London, England.
Barclays traces its origins to the goldsmith banking business established in the City of London in 1690. James Barclay became a partner in the business in 1736. In 1896, several banks in London and the English provinces, including Backhouse’s Bank and Gurney’s Bank, united as a joint-stock bank under the name Barclays and Co. Over the following decades, Barclays expanded to become a nationwide bank. In 1967, Barclays deployed the world’s first cash dispenser.
According to a 2011 paper by Vitali et al., Barclays was the most powerful transnational corporation in terms of ownership and thus corporate control over global financial stability and market competition, with Axa and State Street Corporation taking the 2nd and 3rd positions, respectively.
C6 Intelligence rebranded a Acuris Risk Intelligence
The rebrand reflected improved technology, including an updated database
C6 Intelligence is a trusted and independent provider of data intelligence for anti-money laundering, third-party risk and cyber security professionals.
Codeless started in 1999 and were one of the first software houses to author business process automation (BPA) software specifically for SMEs. They are now leading the way in the delivery of rapid application development. With over 450 global partners and with more than 7500 customers using Codeless Platforms’ software, ranging from diverse global organisations to the small local enterprise.
Elite Integrations are EPoS software veterans. Who have been developing EPoS solutions for over 20 years. All of the staff have previously worked for major accounts software vendors, such as Sage and Pegasus, which means they totally understand the back-office systems that their POS integrates with. Their developers have previously written and supported the Pegasus EPoS, APS PayPoint and SagePOS solutions and in fact worked with retail systems and cash registers well before EPoS came about.
GBG is an identity management, location intelligence and fraud prevention company. GBG offers solutions that help organisations validate and verify the identity and location of their customers. GBG products are built on data obtained from over 200 global partners. GBG focuses on innovative technology for location intelligence, fraud detection and identity verification. GBG can verify the identity of 4.4 billion people globally.
Founded in a one-car garage in Palo Alto, California by Bill Hewlett and David Packard, initially producing a line of electronic test and measurement equipment
The Hewlett-Packard Company (commonly referred to as HP, and stylized as hp), or Hewlett-Packard, was an American multinational information technology company headquartered in Palo Alto, California. It developed and provided a wide variety of hardware components as well as software and related services to consumers, small and medium-sized businesses (SMBs) and large enterprises, including customers in the government, health and education sectors. In 1999, HP split into two companies: one retaining the original company name, the other named Agilent Technologies. The first product line of Hewlett-Packard, test and measurement equipment, went to Agilent Technologies, while HP retained focus on its later products including computers and printers. In 2015, HP again was split into two separate companies, HP Inc. and Hewlett Packard Enterprise.
Mailchimp is an American marketing automation platform and an email marketing service. The platform is a trading name of its operator, Rocket Science Group, an American company founded in 2001 by Ben Chestnut and Mark Armstrong, with Dan Kurzius joining at a later date. “Mailchimp, named after their most popular ¬e-card character, launched in 2001 and remained a side project for several years, earning a few thousand dollars a month.” Mailchimp began as a paid service and added a freemium option in 2009. Within a year, its user base had grown from 85,000 to 450,000. By June 2014, it was sending over 10 billion emails per month on behalf of its users. In 2017, the company was gaining 14,000 new customers every day. The company is still owned by its co-founders and has never accepted venture capital funds.
Mitol is committed to delivering tailored cloud based IT services, online backup and disaster recovery solutions to safeguard businesses in the UK.
Founded in 2005, they initially specialised in online backup and disaster recovery. As the IT industry has developed, Mitol has adapted with it and today they also offer cloud based solutions from Hosted Exchange, FileCloud, virtual cloud servers and cloud storage.
PanIntelligence is a value driven UK company with a vision to be the BI Partner of choice for Technology Providers.
Pi is their easy-to-use business intelligence and dashboard reporting software. It is a single reporting tool which can show data from multiple sources in one place.
Initially developed for the UK finance sector, their reporting dashboard is highly secure and GDPR ready.
Their BI dashboard makes it easy for anyone to visualise and interact with their data in real time, anywhere, on any device.
Founded in 2008 on a bench in Las Vegas, by George Karibian and Jan Farrarons, who had a eureka moment outside the Venetian hotel. They realised the card payments industry was broken and in desperate need of fixing.
Combining cutting edge technology, extraordinary customer support and an unconventional way of thinking, PaymentSense offer lower rates, better service and peace of mind, making them one of the fastest growing fintech businesses in all of Europe.
Sage Pay Europe Limited was founded in 2001 as Protx, a business that processes online payments for small and medium sized businesses. Sage Group purchased Protx for £20 million in 2006. Protx had 10,000 customers in 2006. Protx was rebranded as Sage Pay in April 2009. Sage Pay entered the Irish market and opened a customer service centre in Newcastle upon Tyne during the same year.
As of 2019 Sage Pay has 300 employees and serves 50,000 customers.
In February 2012 Sage Pay entered the card machine payment market when they acquired Integral Computers Ltd for €20 million. Integral Computers was founded in 1989 its point of sale technology was used in 25,000 locations in 2012 across the UK and Ireland.
In 2019 Sage Pay and Worldpay, Inc. announced they were to partner to provide additional services in the UK and Ireland.
In November 2019 Elavon announced the acquisition of the UK and Irish Sage Pay business for £232 million. The sale was completed on 11 March 2020.
Sophos Group plc is a British security software and hardware company. Sophos develops products for communication endpoint, encryption, network security, email security, mobile security and unified threat management. Sophos is primarily focused on providing security software to the mid market and pragmatic enterprise from 100 to 5,000 seat organisations. While not a primary focus, Sophos also protects home users, through free and paid antivirus solutions (Sophos Home/Home Premium) intended to demonstrate product functionality. It was listed on the London Stock Exchange until it was acquired by Thoma Bravo in February 2020.
Textlocal, we have led the SMS communications industry for over 10 years. They offer their customers the absolute best-in-class features and benefits through their Scalable, SMS solutions for enterprises. The use of bulk SMS can raise brand awareness, optimise communications, and enhance the customer journey. Textlocal is the UK’s most scalable, reliable, and best supported online SMS platform and high-volume API gateway today.
For over 20 years, WatchGuard has pioneered cutting-edge cyber security technology and delivered it as easy-to-deploy and easy-to-manage solutions. With industry-leading network security, secure Wi-Fi, multi-factor authentication, and network intelligence products and services, WatchGuard enables more than 80,000 small and midsize enterprises from around the globe to protect their most important assets. In a world where the cyber security landscape is constantly evolving, and new threats emerge each day, WatchGuard makes enterprise-grade cyber security technology accessible for every company. WatchGuard is headquartered in Seattle, Washington, with offices throughout North America, Europe, Asia Pacific, and Latin America.
Apple Inc. is an American multinational technology company headquartered in Cupertino, California, that designs, develops, and sells consumer electronics, computer software, and online services. It is considered one of the Big Five technology companies, alongside Microsoft, Amazon, Google, and Facebook.
Apple was founded by Steve Jobs, Steve Wozniak, and Ronald Wayne in April 1976 to develop and sell Wozniak’s Apple I personal computer, though Wayne sold his share back within 12 days. It was incorporated as Apple Computer, Inc., in January 1977, and sales of its computers, including the Apple II, grew quickly. Within a few years, Jobs and Wozniak had hired a staff of computer designers and had a production line. Apple went public in 1980 to instant financial success.
Bitdefender is a Romanian cybersecurity and anti-virus software company. It was founded in 2001 by Florin Talpeș who is currently the CEO. Bitdefender develops and sells anti-virus software, internet security software, endpoint security software, and other cybersecurity products and services.
As of 2018, the software has about 500 million users worldwide.
Clear.Bank ® is the UK’s first new clearing bank in more than 250 years. ClearBank ® delivers new standards in market competition and service transparency. Their state-of-the-art technologies and innovative services transform clearing and agency services for regulated organisations. They make payments faster, automate business processes and reconciliation, whilst delivering new levels of cost efficiency, instantly.
The Creditsafe Group is a privately owned multinational provider of on-line company credit scores and credit report information. Founded in 1997 the company has expanded and now has operations in 12 countries across Europe, North America & Japan and claims to be the world’s most-used provider of company credit reports. Creditsafe now employs over 1,200 people and has a customer base in excess of 100,000 subscription customers worldwide.
Experian plc is an Irish-domiciled multinational consumer credit reporting company. Experian collects and aggregates information on over one billion people and businesses including 235 million individual U.S. consumers and more than 25 million U.S. businesses.
Based in Dublin, Ireland, the company operates in 37 countries with offices in Brazil, the United Kingdom, the United States. The company employs approximately 17,000 people and reported revenue for 2018 of US$4.6 billion. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. Experian is a partner in the U.K. government’s Verify ID system and USPS Address Validation. It is one of the “Big Three” credit-reporting agencies, alongside TransUnion and Equifax.
In addition to its credit services, Experian also sells decision analytic and marketing assistance to businesses, including individual fingerprinting and targeting. Its consumer services include online access to credit history and products meant to protect from fraud and identity theft. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report every year
Google App Engine (often referred to as GAE or simply App Engine) is a Platform as a Service and cloud computing platform for developing and hosting web applications in Google-managed data centres. Applications are sandboxed and run across multiple servers. App Engine offers automatic scaling for web applications—as the number of requests increases for an application, App Engine automatically allocates more resources for the web application to handle the additional demand.
Google App Engine primarily supports Go, PHP, Java, Python, Node.js, .NET, and Ruby applications, although it can also support other languages via “custom runtimes”. It was first released as a preview version in April 2008 and came out of preview in September 2011.
This is a IBAN validations provider that goes way beyond the checksum check. They can also check the domestic bank codes and account numbers which are embedded in IBANs. To facilitate fraud prevention, they crawl the Web for IBANs and, if an IBAN you validate has been found on the Web, report this to you. Last, but not least, they provide a mechanism for checking not only if an IBAN is formally correct but also if it actually exists and belongs to a given account holder.
Microsoft Corporation is an American multinational technology company with headquarters in Redmond, Washington. It develops, manufactures, licenses, supports, and sells computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface line up of touchscreen personal computers. In 2016, it was the world’s largest software maker by.
Microsoft was founded by Bill Gates and Paul Allen on April 4, 1975, to develop and sell BASIC interpreters for the Altair 8800. It rose to dominate the personal computer operating system market with MS-DOS in the mid-1980s, followed by Microsoft Windows. The company’s 1986 initial public offering (IPO), and subsequent rise in its share price, created three billionaires and an estimated 12,000 millionaires among Microsoft employees. Since the 1990s, it has increasingly diversified from the operating system market and has made a number of corporate acquisitions, their largest being the acquisition of LinkedIn for $26.2 billion in December 2016, followed by their acquisition of Skype Technologies for $8.5 billion in May 2011.
Earlier dethroned by Apple in 2010, in 2018 Microsoft reclaimed its position as the most valuable publicly traded company in the world. In April 2019, Microsoft reached the trillion-dollar market cap, becoming the third U.S. public company to be valued at over $1 trillion after Apple and Amazon respectively.
Open Banking
In August 2016, the United Kingdom Competition and Markets Authority (CMA) issued a ruling that required the nine-biggest UK banks – HSBC, Barclays, RBS, Santander, Bank of Ireland, Allied Irish Bank, Danske Bank, Lloyds and Nationwide – to allow licensed start-ups direct access to their data down to the level of transaction-account transactions.
The direction came into force on January 13, 2018, and using standards and systems created by Open Banking Limited, a non-profit created especially for the task. However, enforcement rests with the Competition & Markets Authority. Protection for consumers is the responsibility of the Financial Conduct Authority (FCA) (for account information and payment initiation services, under the PSD2 directive) or the Information Commissioner’s Office.
The CMA direction only applies to the nine largest banks and works alongside the broader PSD2 rules that apply to all payment account providers.
PaperLess is a market leading product in United Kingdom, Ireland and Scandinavian countries for both accountants and accounting departments who want to save time and reduce the costs of managing business documents throughout the organisation.
Currently being used within organisations from 1 user to over 250 users, PaperLess has provided significant time and cost saving benefits to many companies throughout Europe, helping them to better manage the whole routine from scanning or adding electronic documents to processing them in their accounting systems.
The Sage Group plc, commonly known as Sage, is a British multinational enterprise software company based in Newcastle upon Tyne, England. As of 2017, it is the UK’s second largest technology company, the world’s third-largest supplier of enterprise resource planning software (behind Oracle and SAP), the largest supplier to small businesses, and has 6.1 million customers worldwide. It has offices in 24 countries. The company is the patron of the Sage Gateshead music venue in Gateshead.
Sage is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.
The Company was founded by David Goldman, Paul Muller and Graham Wylie in 1981 in Newcastle, to develop estimating and accounting software for small businesses.
A student at Newcastle University, Graham Wylie, took a summer job with an accountancy firm funded by a government small business grant to write software to help their record keeping. This became the basis for Sage Line 50. Next, hired by David Goldman to write some estimating software for his printing company, Campbell Graphics, Graham used the same accounting software to produce the first version of Sage Accounts. David was so impressed that he hired Graham and academic Paul Muller to form Sage, selling their software first to printing companies, and then to a wider market through a network of resellers.
In 1984 the Company launched Sage software, a product for the Amstrad PCW word processor, which used the CP/M operating system. Sage software sales escalated in that year from 30 copies a month to over 300. The Company was first listed on the London Stock Exchange in 1989.
In 1994 Paul Walker was appointed Chief Executive. In 1998 Sage’s Professional Accountants Division was established. In 1999 Sage entered FTSE 100 and launched a dedicated Irish division, based in Dublin as well as its e-business strategy. In that same year the UK acquisition of Tetra saw Sage enter the mid-range business software market.
n 2000 Sage shares were named ‘best performing share of the 90s’ in the UK business press. In 2001 Sage acquired Interact Commerce Inc. and entered the CRM/contact management market and in 2002 Sage won ‘Business of The Year’ in the National Business Awards. Also that year Sage sponsored the new Music Centre in Gateshead for £6m – now known as Sage Gateshead – the largest ever UK arts/business sponsorship. Sage are one of two technology stocks listed on the FTSE 100 Index, the other being Micro Focus. In 2003 at age 43 Graham Wylie retired with 108.5 million shares in Sage worth £146m. He was rated Britain’s 109th richest person in the 2002 Sunday Times Rich List.
Tony Hobson joined the Sage board of directors in June 2004 and became chairman in May 2007
On 19 April 2010, Sage announced that its CEO, Paul Walker, had indicated an interest in stepping down from his position, which he had held for 16 years. The Financial Times reported that his departure would lead to speculation over Sage’s mergers and acquisitions, which have been a key component to the group’s growth in the past 20 years.
Walker was one of the longest serving CEOs of an FTSE100 company. Walker left the company on 1 December 2010.
On 1 October 2010 Guy Berruyer became CEO of Sage Group; Berruyer had previously been CEO of Sage’s Mainland Europe & Asia operations.
On 15 February 2013, Sage announced that Accel-KKR intended to buy Sage Nonprofit Solutions, its division that produced software designed for nonprofit organisations and governmental agencies.
In August 2014, Sage announced that Guy Berruyer would retire. Stephen Kelly, the UK government’s former chief operating officer, became Group CEO in November 2014. In September 2014 the company announced the acquisition of PayChoice for $157 million.
In March 2017, Sage Group acquired Compass, an analytics and benchmarking platform. In March 2017, Sage Group also acquired Fairsail, a Human Capital Management (HCM) cloud-based platform. In July 2017, Sage purchased Intacct for $850M.
On 31 August 2018, Sage announced that Stephen Kelly had stepped down as a director and CEO. On 2 November 2018, Steve Hare was appointed CEO. Hare had been Chief Financial Officer of Sage since 2014 and had been interim COO following the departure of the previous CEO.
On 1 July 2019, it was announced that Sage would relocate from its headquarters in Newcastle Great Park to a new location in Cobalt Business Park.
In March 2020, Sage announced that it is offloading its Brazil operations in a deal estimated to be valued at £1 million with an additional deferred consideration of up to £9 million.
Sicon have been developing software applications for integration with Sage for over 20 years.
Designing and developing applications solely for Sage 200 they have created a broad range of products addressing various business systems requirements from a simple document scanning and archiving solution to a 2,000 user web based requisition, timesheet and expenses entry system with multi-level authorisations.
All the Sicon design and development is carried out in the UK by a fully employed team of product managers and developers based at their offices in Bury St Edmunds.
SWIFT is a global member-owned cooperative and the world’s leading provider of secure financial messaging services.
They provide a platform for messaging, standards for communicating and offer products and services to facilitate access and integration, identification, analysis, and financial crime compliance.
Their messaging platform, products and services connect more than 11,000 banking and securities organisations, market infrastructures and corporate customers in more than 200 countries and territories, enabling them to communicate securely and exchange standardised financial messages in a reliable way.
WorldPay started as an online multi-currency payment system in 1997. The founder Nick Ogden partnered with National Westminster Bank to provide the financial systems and Andrew Birch of Symbiant to provide the end user payment gateway. When Royal Bank of Scotland took over National Westminster Bank, Worldpay was wholly acquired and merged with an electronic payment system called Streamline which was first released by Centre-file ltd, a wholly owned subsidiary of National Westminster Bank, in 1989.
The company provided payment services for mail order and Internet retailers, as well as point of sale transactions. Customers are a mix of multinational, multichannel retailers, with the majority being small business merchants. It also provided loans to small businesses.
In 2016, WorldPay presented its own IT platform, which enabled the company to process up to 20 times more transactions. This decision was a part of the process to separate WorldPay entirely from the Royal bank of Scotland and their technology systems.
In March 2019, Fidelity National Information Services (FIS), a payment rival based in Florida, bought Worldpay in a deal worth £32 billion.
Verifone is an American multinational corporation headquartered in San Jose, California, that provides technology for electronic payment transactions and value-added services at the point-of-sale. Verifone sells merchant-operated, consumer-facing and self-service payment systems to the financial, retail, hospitality, petroleum, government and healthcare industries. The company’s products consist of POS electronic payment devices that run its own operating systems, security and encryption software, and certified payment software, that are designed for both consumer-facing and unattended environments.
In 2018, Verifone was acquired by Francisco Partners for $3.4 billion.