Company Summary

Based in the UK’s technology hub, Cambridge, Wi-Ai Technology Limited is in the business of developing and marketing proprietary software that optimizes corporate business processes, by allowing consumers to understand and improve their own decision-making process. This is achieved via the identification of biases that lead to poor decisions.

The initial applications are for use in the financial services industry, in which the company’s directors have decades of experience. However, the technology has potential applications in other sectors, including online retailing and marketing.

The company’s “Next Generation” product pioneers the use of advanced technologies, including neural networking. This allows the software to build an evolving profile of the End User, which refines the guidance that the original profile offers by incorporating comparisons with the User’s actual behaviour (e.g. real-life investment decision making) as well as tracking changes to the User’s attitudes and biases.

Its major enhancement over the core product is the capacity to create a dialogue with the End User about the differences between what would happen if they make decisions based on their biases versus correcting for the bias and showing the effect of this (e.g. on investment growth) over time. The profile also evolves as the End User revisits it (e.g. during successive investment review meetings) to create richer feedback on the User’s behaviour and biases.

Our People

Our management team has extensive experience and contacts in the financial advice market, in technology development, and in finance.  Our company is run by founders Fiona Karlin and Peter Howard-Jones. They are both serial entrepreneurs and are supported by a team of specialists, particularly in the sales and marketing and technology development fields.

Fiona Karlin

Entrepreneur: founder and director of Momentum Partners Limited (1999- present), a Cambridge-based company providing management consultancy services and designing financial services software on its own account and for clients.

Designed the high-level product specification and detailed content for robo-advice systems for a major client, a leading UK financial services technology provider. MPL worked with them from concept (2013) to launch (2017), as well as later consulting on implementation of a white label version for one of their leading (household name) banking clients. MPL continues to advise to date on their next generation products.

Founder and director of Momentum Partners Financial Services Limited (2011-2019), a Cambridge based IFA practice, specializing in advising high net worth individuals and SMEs (retired from this role in January 2019 and sold her majority interest to Peter Howard-Jones).

Qualified as both a Barrister (studied at the Inns of Court School of Law and called by Gray’s Inn, 1982) and an Independent Financial Adviser (Diploma in Financial Planning from the Chartered Insurance Institute).

University of Cambridge Law graduate.

Peter Howard-Jones

Entrepreneur: has built a number of businesses, most recently that of Peter Howard-Jones Limited, Chartered Accountants and Registered Auditors (practice founded in 2009, after a progressive career as a partner in increasingly broad-based accountancy practices).

Actively engaged in chartered accountancy practice and business consultancy for 30 years.

Co-founder (with Fiona Karlin), director and adviser of a niche wealth management firm, Cambridge Financial Services Limited (formerly Momentum Partners Financial Services Limited), specializing in advising high net worth individuals and SMEs.

Admitted as Fellow by the Institute of Chartered Accountants in England and Wales (ICAEW) in 1995 and an Associate in 1984.

University of Oxford Physics graduate.

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