Our Team
Antony Elliott FCIB spent over 10 years as Group Risk Director of Abbey National plc having worked for a number of UK and international banks previously. He had overall responsibility for the control of consumer credit risk throughout this period.
After he left in 2003, he researched and produced a report on why people get into too much debt. Entitled, ‘Not waving but drowning: over-indebtedness by misjudgement’, it was published by the Centre for the Study of Financial Innovation in 2005 and was widely discussed at the time.
This report led to the development of a new banking product. He has patent pending and developed a prototype of the product, Capacity Card, which has many money management features.
He now spends his time pursuing the vision of a banking system that helps people manage their money. He has founded the charity, FairBanking, which has commissioned the research into the link between a person’s money management and their level of contentment or well-being. The research has been developed to consider the implications for banking products and services.
George Guernsey a bank executive and advisor for more than 30 years, he headed group strategy and financial administration at First Chicago Corporation and operations improvement at Republic New York Corporation.
Based in London for 16 years, he led business consulting for Tillinghast/Towers Perrin in Europe and then co-founded an insurance investment bank. He founded and now chairs Insight Mapping, a market intelligence service for financial institutions and their corporate customers.
From 2005, his long association with Antony Elliott has focused on opportunities to design new consumer money management solutions which improve both profit for banks and financial well being for customers. The first such product – Capacity Card – is now ready for launch.
Mr. Guernsey received a B.A. in Economics and Political Science from Yale University and an MBA in finance with distinction from the Wharton School, University of Pennsylvania.
John Osborne has over 20 years experience in providing innovative IT solutions to financial institutions. From Sun Microsystems UK (Insurance Industry Manager) in 1990, he became managing Director of Fusion Systems, where, through the real-time trading requirements of his clients he became an evangelist for sophisticated information visualisation.
He founded Parable technologies which specialised in combining real-time data feeds and data warehousing into web based virtual reality environments.
He created the prototype of the Capacity Card user interface, and is passionate about enabling people to make informed decisions in the area of personal finance.
He created the demonstration products used in the current Fair Banking research.