PCT’s innovative bank.VISION is a catalyst for change. We see a future where our cloud based FinTech services open up new markets. A vision where the deployment of bank.VISION will allow our partners to improve access to banking and payments for a broader diversity of consumers.

Our cloud-based platform facilitates your business’s potential to secure quick market entry and deliver reliable and robust banking-grade financial services.

An agile, digital banking grade platform in the cloud, allowing your business to enter the market with both physical and digital branches.

Our systems can be deployed quickly to provide your consumers with the same benefits as a standard bank account via any digital portal, including iOS and Android.

Your customers receive a guaranteed Mastercard/Visa debit card that allows them to bank when they want, where they want and how they want. With wallet, bill payment, online, email and SMS alert facilities, your customers can enjoy easier money-management than ever before.

We deliver a robust and resilient platform. World-class industry architects and leading third parties including Ernst & Young have confirmed bank.VISION’s banking-level security.

Your business benefits from 24/7 client support with a secure second-line of support for complex queries and dispute handling, alongside settlement and reconciliation.

The Change Account is a UK e-money-based Digital Banking proposition, for those seeking or needing an alternative to existing services.

This venture was founded by PCT and the Ex-Chairman of The Big Issue with strategic partners, such as Advice UK, Homeless Link, Pay Plan and Street UK. The Change Account is socially inclusive, offering anyone, 18 or older, a fully functioning bank account and debit card, whilst utilising innovative technologies including ‘jam jar wallets’ to support budgeting and financial management skills.

With The Change Account underserved customers now have fair access to financial products.