The Senior Fellows

Senior Fellowship recognises individuals who have made a significant contribution towards a more sustainable financial system, and who have shown ongoing support for the work of the Finance Innovation Lab.

Our Senior Fellows are a diverse group of trailblazing thinkers, doers, creators and campaigners, whose achievements have helped move us towards a more democratic, sustainable, just and resilient financial system. They continue to champion and contribute to our work, partnering on our events and advising on our projects.

We’re extremely proud to be associated with our Senior Fellows. The Senior Fellows group is expanded on an annual basis. Members of the Lab community who would like to nominate themselves to be considered as new Senior Fellows are welcome to do so by emailing

Bertrand Beghin

Bertrand is CEO of ChangeSquare, a corporate finance firm for sustainable investing, aiming to enhance the lives of people and planet by creating more avenues through which capital can flow into high growth impact ventures and impact funds across Africa, Asia, and Europe, and addressing the UN SDGs.

He is an investment expert, with specific expertise in designing and implementing innovative financial products and working with the social and environmental sectors. He has 15 years’ experience in the City, with Deutsche Bank in the Strategic Equity Transactions Group. He was part of a team that structured equity-related transactions for the bank’s corporate, private and strategic European clients, specialising in monetisation strategies, equity financing, employee incentives, M&A derivatives, and share buy-backs.

Bertrand holds a B.Sc. in Computer Science from the University of Bristol and a M.Sc. in Management Science and Operational Research.



Christine Berry

Christine Berry is an independent researcher and writer based in Manchester, focusing on economic systems change with a particular specialism in the financial system.

Christine is co-author of People Get Ready!, a book exploring how social movements can prepare to help generate transformative change under a radical government. Her work has been covered in the Economist, the Evening Standard and the Guardian, which described her as ‘one of the central figures’ in the new left economics. She is a Trustee of Rethinking Economics, a Fellow of the Next System Project and a Commissioning Editor of Renewal journal. Christine has previously worked for the New Economics Foundation and served as a founding trustee of the Lab until 2018.


Fran Boait

Fran is Positive Money’s Executive Director. Positive Money is a research and campaigning organisation which aims to democratise money and banking, so that it works for society and not against it.

Fran studied Natural Sciences at the University of Cambridge and went on to complete a PhD researching carbon dioxide storage. Fran became interested in economics and money creation after realising that the huge environmental and inequality crises we face could not easily be fixed without re-thinking how the current economic system works, and how to redesign it. Fran has worked at various global organisations including the United Nations, Greenpeace and BP.



Gemma Bone Dodds

Dr Gemma Bone Dodds FRSA is an innovation and systems change specialist who concentrates on economic transformation for people and planet. She is founder and director of All In Agency, a research and systems change agency dedicated to transforming the economy to serve the needs of society and the environment.

Gemma has a PhD in diverse economies, which she carried out in collaboration with the Finance Innovation Lab between 2012 and 2016. She has authored a number of high-impact papers on banking and finance including Banking for the Common Good: Laying the foundations for safe, sustainable, stakeholder banking in Scotland, A Bank for the North East and the Green Finance Certificate.


Diane Burridge

Diane has almost 20 years’ experience in Community Finance and was the CEO of Moneyline, a leading not-for-profit CDFI on a mission to transform the way low-income households access fair and affordable financial products. Diane built a customer-focused brand delivering innovative products, grounded in the insight of the communities they serve. Her work and leadership raised the bar for what people expect of financial services in the UK for everyone.

Diane is an Alumni of the Goldman Sachs 10,000 Small Businesses programme and has also studied at Harvard Business School, completing their Strategic Perspectives in Non-profit Management programme and a US study tour of credit unions and micro-lenders.

Diane has extensive social sector lending knowledge. She has been a member of various advisory groups for research into financial inclusion and the availability of affordable credit for the financially excluded, including working with JP Morgan, the Centre for Social Justice, the Finance Innovation Lab, the End High-Cost Credit Alliance, and the Cabinet Office.


Martin Campbell

Martin is one of the UK’s leading media advisers to the retail financial services industry. As a founding member of the Virgin Direct (now Virgin Money) management team, he was the product designer for the ground-breaking firm before managing its highly successful PR function, winning the MORI annual journalist poll for best press office for three years running.

After 7 years at Virgin, he left to become a freelance PR and lobbying adviser to other brands competing by offering a genuinely better customer proposition. Martin was pivotal in getting the now legendary Zopa taken seriously and embraced by the press and broadcast media, before handing over to others after 6 years as the pioneering P2P lender’s adviser. His recent and current clients include leading names in the alternative finance movement – including Abundance, Seedrs,  SyndicateRoom and Landbay – along with influential bodies including the Pensions Policy Institute, The Fairbanking Foundation and Positive Money.



Bruce Davis

Bruce Davis is co-founder and joint Managing Director of Abundance, the first regulated debt crowdfunding company in the UK. He is an anthropologist with a creative drive that helped create the world’s first peer to peer lender Zopa in 2004, as well as products and innovations for most of the UK leading banks and building societies. Bruce is a founding director of the UK Crowdfunding Association and Visiting Research Fellow at the Bauman Institute, Leeds University.

Bruce gained an MA from the University of Cambridge and has since worked for companies large and small on branding, innovation and research. He has worked in many countries around the world, developing insights into the social life of money and its impact on everyday life.

Bruce was previously Non-Executive Director of the Move Your Money campaign and was previously a trustee of The Finance Innovation Lab.



Simon Deane-Johns

Simon Deane-Johns is a consultant solicitor in the UK and Ireland, specialising in fintech regulatory and commercial work, including payment services, P2P lending, consumer credit and data services, as well as e-commerce marketplaces and IT.

He has advised on the launch of many innovative start-ups, including Zopa, Prodigy Finance, Abundance, Crowdbnk (now Code Investing), Proplend, Fitzrovia Finance, and the Rooster Card, and advises on cryptocurrencies and other applications of distributed ledger technology.

Simon previously consulted at Amazon and WorldPay, led legal teams at GE Capital and Earthport, advised on the creation of the P2P Finance Association and in 2012 co-organised the P2P Finance Policy Summit for UK and EU officials and crowdfunding industry representatives with the Finance Innovation Lab.

Simon also chairs the Advisory Board of the Society for Computers and Law and blogs regularly on fintech developments.



Anna Fielding

Anna is a specialist in economic systems change, a leadership coach, and an advocate for social and environmental justice.

She is Senior Advisor at the Economic Change Unit, a non-profit organisation working for a more resilient, secure and just economy and Senior Associate at Cohere Partners, a strategy & communications consultancy for organisations looking to shape the future of business, society, technology and culture. Until April 2020, Anna was CEO at the Finance Innovation Lab.

Anna is a trustee of the New Economics Foundation, an Associate of the Institute for Social Banking, and a Fellow of the RSA. She holds an MSc in Global Ethics and has written for a wide range of publications including the Guardian, Stir to Action, Pioneers Post and the New Statesman. She has also featured in the Women in Social Enterprise 100, Women in Fintech Powerlist, and Brummel Magazine’s Inspirational Women in the City.


Tony Greenham

Tony has progressed from a conventional finance career in investment banking and accountancy to championing financial system reform, before turning back to practice as founder of a mission-led regional mutual bank.

He is the Executive Director of South West Mutual, which is aiming to apply for a banking licence to serve business and residents of Cornwall, Devon, Somerset and Dorset with ethical high street banking services.

Previously, he worked in policy research as Director of Economics at the RSA (Royal Society of Arts, Manufactures and Commerce) leading a programme on evolving a more creative, inclusive and sustainable economy, and as Head of Finance and Business at the New Economics Foundation. He is co-author of many books and reports including Where Does Money Come From?, Strategic Quantitative Easing and Reforming RBS: Local banking for the public good. He has contributed to programmes including BBC Newsnight and Today, and written for the Guardian, Sunday Times and others. Tony is a Fellow of the ICAEW and started his career with PwC before moving into equity capital markets at Barclays and Credit Suisse.

Tony holds a number of non-executive posts, including advisory committees for leading ESG fund manager Lion Trust Asset Management, and for the Banking on a Just Transition programme at the LSE Grantham Institute. He was voted one of the Future Finance 50 in the Innovative Thinkers category by Economia magazine.


Julia Groves

Since co-founding in 1994, Julia has led a series of start ups in the digital and environmental sectors, and invested a combination of her time and money in a portfolio of sustainable businesses, including Loco2, and Trillion Fund, a loan-based crowdfunding platform offering triple bottom line returns of people, planet and profit.

Julia co-founded the UK Crowdfunding Association in 2012, and has successfully campaigned to make finance more democratic and accessible to regular investors, under the banner #wealthisnotaskillset. She is a member of Innovate 50 in the UK, CF 50 in the States, and previously served a two-year Non-Executive Director role on the Move Your Money campaign.



Malcolm Hayday

Malcolm is a social banker and disruptive thinker with a background in international wholesale banking, including export, trade and Islamic finance, the third sector and values based banking.

Malcolm developed the concept of a bank for charity and piloted a loan fund, Investors in Society, in the mid 1990s, before becoming founding Chief Executive of The Charity Bank in 2002, then the world’s only registered general charity and authorised bank. Malcolm took the bank to profitability before standing down in 2012. He joined the Institute for Social Banking to deliver the international summer schools in 2013 and 2014, where he co-developed the first citizens’ response to the UNEP Inquiry into the Design of a Sustainable Financial System.


Nonhlanhla Makuyana

Nonhlanhla is an educator, creative and new economics organiser. They are a co-founder of Decolonising Economics, a grassroots collective working to build a new economy movement that is rooted in racial justice principles and decolonial struggle. Their work involves investing in communities of colour who are working to build an economic democracy, enabling shared strategising, resource distribution and providing expertise.

Nonhlanhla’s work also explores the “felt” and “lived” experiences of the economy, through organising with environmental and land justice grassroot groups such as Wretched of the Earth and Land In Our Names, delivering experiential workshops and archiving the wonder that is the Black and Brown solidarity economics movements in the UK through film and writing.


Reema Patel

Reema Patel is Head of Engagement and a founding team member of the Ada Lovelace Institute, an independent research body with a mission to ensure data and AI work for people and society.

She is an experienced policy professional who has led various citizen engagement initiatives on complex and controversial policy areas in the UK, including the RSA’s Economic Council, which successfully worked with and influenced the Bank of England’s public engagement strategy.

Reema has also consulted for a variety of international organisations, including the Danish Board of Technology Foundation and, a San Francisco based technology social media start-up. She serves on the advisory board to Scope’s Big Hack programme, as well as on NESTA’s Participatory Futures programme. She is a Fellow of the RSA, founding trustee of a community run library, and a local councillor.


Faith Reynolds

Faith is a strategic adviser to industry, government and regulators on fintech, Open Banking, Open Finance and Smart Data.

She is focused on creating products and services consumers get genuine value from and love using. Faith is a Non-Executive Director for Fair4All Finance, promoting financial inclusion through the distribution of dormant assets, the Payment Systems Regulator, and the Current Account Switch Service at Pay.UK. She also advises the Lending Standards Board on the implementation of the Authorised Push Payment Scams Code. Previously she was the Independent Consumer Representative on the Open Banking Implementation Entity Steering Group, a member of the FCA‘s Financial Services Consumer Panel, and led the Data Right Working Group for the FCA’s Open Finance Advisory Group. During an earlier part of her career she established Toynbee Hall‘s financial inclusion services. She is a 2010 Clore Social Fellow.


Karl Richter

Karl is Executive Director and Co-Founder of EngagedX. He specialises in social impact investing and provides bespoke consultancy, thought leadership, advocacy and policy work. He has worked internationally across private, public and social sectors. He is an experienced entrepreneur and has held leadership, management and executive positions.

He is appointed as Senior Research Adviser to the UN’s Social Impact Fund (UNSIF), for whom he leads a global research consortium to improve the analytical framework for social impact investing; a member of Groupe d’Experts de la Commission sur l’Entrepreneuriat Social (GECES), which is appointed by the European Commission to advise on its Social Business Initiative; sits on the OECD expert group on social impact investing; Senior Fellow of the Finance Innovation Lab; Adviser to the Global Value Exchange. In 2011, he co-authored Making Good in Social Impact Investment: Opportunities in an Emerging Asset Class. Karl is an UnLtd Award Winner for social entrepreneurship and holds an MBA specialising in entrepreneurship and project management.



Brett Scott

Brett is a journalist, campaigner and the author of The Heretic’s Guide to Global Finance: Hacking the Future of Money.

He works on financial reform, alternative currencies, P2P economic systems, corporate transparency and economic advocacy campaigns with a wide variety of NGOs, artists and student groups. This has included ActionAidGlobal Justice Now, OpenOil and the Move Your Money campaign. He has written for publications including The Guardian, New Scientist, Wired Magazine and, and provides commentary on financial reform and crypto-currencies on media channels such as BBC, Arte and VPRO. He also helps facilitate a course on power and design at the University of the Arts London, and facilitates workshops on alternative finance with The London School of Financial Arts. He is an advisory board member of the Brixton Pound community currency.



James Vaccaro

James is a strategist, sustainable finance expert, speaker and systems-thinker who focuses on the intersection of sustainability and business. His principal interest is how the relationships between different stakeholder groups can lead to innovative new social business models.

James is a Special Advisor to Triodos, Europe’s leading sustainable bank. This role follows over 20 years’ senior management experience within Triodos including, most recently, as Director of Corporate Strategy. Previously, he was Managing Director of a leading public renewable energy investment company (now Thrive Renewables).

James is a tutor on the Postgraduate Certificate in Sustainable Business course at Cambridge Institute for Sustainable Leadership and a strategic advisor for a number of organisations and projects in the UK, Europe and internationally.

James has been involved in the Finance Innovation Lab since its inception and was the first board chair after it became an independent charity. He has served as a member of several advisory groups on sustainable finance at UK, European and international level and is author of several reports and papers on sustainable finance and impact investing. James served on the Global Steering Committee for the UNEP Finance Initiative and is one of the founding developers of the UN Principles for Responsible Banking.


Emma Vartolemei

Emma is the founder and CEO of All Street, a provider of in-depth, independent, expert analysis on crowdfunding investments. An economist by trade, Emma is dedicated to enabling everyone to get involved in the new financial system that crowdfunding is creating. She brings significant experience in financial services across corporate banking and asset management, an MBA degree from Oxford University and two Masters of Science. She believes in the power of shared knowledge to transform the alternative finance space.



Bryan Zhang

Bryan is co-founder and Executive Director of the Cambridge Centre for Alternative Finance at the University of Cambridge Judge Business School.

He has led and co-authored more than 30 high-impact industry and policy reports on the state of alternative finance both at national and international levels, covering a wide range of topics from crowdfunding, peer-to-peer lending, cryptoassets to regulatory innovations.

He has advised and collaborated with many institutions on technology-enabled financial innovation research including the UK Financial Conduct Authority, the British Business Bank, the UK Department of International Development, the Asian Development Bank Institute, the Inter-American Development Bank, the European Commission, the UNSGSA, and the World Bank.

Bryan was trained in economic geography and public policy at Cambridge and Oxford Universities.