Karl Entwistle

Karl has been a keen Rubyist for over a decade. Currently he’s renovating a house with his wife. He is a burrito enthusiast who also enjoys pizza and model trains.

Piotr Nowak

Piotr is a highly qualified IT specialist focused primarily on web-based technologies. Despite his technological background and degree, he is also very conscious about building good client relationship and the importance of superb support. He gained most of his experience and defined his work ethics working in a US owned software house, where he started in early 2006 while still in college. During this time he designed, planned, managed and developed many systems of varying complexity for such clients as Scholastic Inc., Hearst Digital Media or HSBC.

In late 2013 Piotr decided that what he learned so far is more than enough to forsake the protective umbrella of an employment contract and focus on his own IT consulting business that he started back in 2010 - Nopio.

Toby Pinder

Toby is a software engineer at FinTech credit reference agency Credit Kudos, a service using transactional data to build a new kind of credit score. He works with banking scrapers and leads Open Banking integrations in order to provide consumers with access to affordable financial services. Toby is a regular contributor to the Open Banking ecosystem, both through transparency initiatives such as performance monitoring and coordinated issue management, and via contributions to the standards development process.