About NOW Money

Our mission is simple: Give accounts to people banks don’t

The second part of our mission? Make it easier, quicker and cheaper for these people to send money home. We’ve adopted the latest financial and regulatory technology to create a solution which not only provides accounts to those previously excluded, but is also free from fraud and makes money transfer cost effective, quick and simple. #EmpoweringTheUnbanked.

Read the whole story

Our team with users of the app

Meet the team

Ian Dillon

Ian Dillon Co-Founder

Ian was educated at Cambridge and Exeter Universities. Whilst at Cambridge, Ian started a successful e-commerce business which he exited in 2013. Prior to founding NOW Money, Ian began his career at HSBC in London, New York and Madrid on a fast-track management programme, working in retail and corporate banking and FX, before taking a management role within investment banking capital markets.

After seeing innovative banking solutions coming out of the UK and US, and seeing first-hand the opportunities arising from the huge unbanked population in the Middle East, Ian moved to Dubai in 2015 where he co-founded NOW Money!

Katharine Budd

Katharine Budd Co-Founder

Katharine is experienced across international retail banking, consulting on the consumer product and credit card propositions for major banks across the UK and Middle East. She has a proven track record in product launch and expansion and played a vital role in launching Cardlytics, recently IPO’ed with a valuation of $285m.

After a few years living in the UAE, Katharine realised that a digital banking solution was possible for the “unbanked”, and she co-founded NOW Money!

Ben Walton CTO

Ben has over 15 years experience working at the leading edge of innovative technologies, 10 of which have been in the Middle East. After gaining experience in the UK, he was part of the founding technical team of Dubizzle, one of the major success stories of Middle Eastern start-ups. Ben exited with the other founding members upon Dubizzle’s $250m exit to OLX.

Ben joined NOW Money in 2017 as CTO and has quickly made NOW Money one of the most advanced app and systems in the GCC and built a strong and innovative team of developers.


Hannah Garfield Head of Accounting and Finance

Hannah is an ACA Chartered Accountant, who previously worked for Deloitte in the UK as an Auditor and GE as a Management Accountant. During this time Hannah gained a wide exposure to IFRS reporting within various industries, as well as UK GAAP and US GAAP.

Hannah joined NOW Money in 2019 and is responsible for all areas of accounting and finance within the group.

Najmal Ahmed Business Development Manager

With a degree in computer engineering, Najmal moved into sales in the digital payments industry shortly after graduating. Najmal has 10 years experience, and is almost unparalleled when it comes to customer relations in the industry. He’s proven himself to handle large portfolios of multinational companies with vigour and professionalism, manage teams and consistently exceed sales targets.

Najmal is enthusiastic about FinTech and plans to scale the industry using his background, knowledge and passion – and large base of contacts built through his work in the UAE. Najmal is a fluent speaker of five languages.

Vaishali Dialani

Vaishali Dialani Head of Communications

Vaishali is an MBA graduate, who has amounted a wide range of marketing and stakeholder management experience across various industries in both the UK and Dubai. Her excellent communication skills have played a vital role in leveraging relationships and managing execution of partner collaborations.

She went on to take leadership position of CRM department in the UK, whilst completing her Masters degree, before rejoining NOW Money in 2019, responsible for all areas focusing on customers and external communications for the group!

Ayush Gulati Software Engineer

Ayush gained his bachelors degree in computer science in 2017 from BITS Pilani university. Whilst at university he was a part of the Microsoft Student Partner program and won their hackathon, as well as hackathons organised by the UAE Ministry of Finance, VISA, and Angel Hack. Ayush has work experience in Dubai and Kuwait, and is originally from India.

Ayush joined NOW Money in 2017 and developed the full IBOC customer onboarding module before working closely with Ben and Sikander on systems and integrations for the NOW Money app.


Sikander Zeb Software Engineer

Sikander has been working as a developer for five years in the UAE and Pakistan. His main focus has been on iOS and Full Stack development. Sikander has run his own development company since 2013 where he led a team of 10 developers and delivered projects for different ride hailing businesses in the UK.

Sikander joined NOW Money in early 2018 and has been responsible for building the front end NOW Money app.

Khaled Farah Software Engineer

Khaled is an experienced full stack developer, with a focus on front and back end development. He has extensive experience in application security testing. Khaled has run his own development company in Sudan since 2014 which expanded to employ 5 developers and handle projects from government and large corporate clients in Sudan with solutions in Arabic and English.

Khaled joined NOW Money in 2018 and since then, he has been working closely with Ben on back-end systems, security and integrations.

Hassan Warrag Software Engineer

Hassan is an experienced full stack developer with a focus on mobile applications. He has extensive experience in android development. He gained his bachelors degree in 2017 in software engineering. He co-founded a software development company in Sudan since 2014.

Hassan joined NOW Money in 2019 and has been working closely with Sikander on mobile applications.


Cristina Altobar Office Manager

Cris has nine years HR experience in retail, telecommunication, manufacturing, and entertainment. Before joining NOW Money, Cris was GCC HR and Office Manager for iflix, the highly successful malaysian video streaming start-up.

Cris has a strong background in recruitment, operations and employee relations and loves to get stuck in and build functions from the ground up.

Denny Joseph Customer Engagement Lead

With a BA degree from Calicut University and 13 years of experience in providing exceptional customer service to clients in diverse industries, he has proven himself to be a successful engagement leader. Prior to NOW, he has empowered and supported customers through trainings on mobile application and promoted financial literacy to the unbanked population.
Denny joined NOW Money in 2019 and is responsible for onboarding staff and engaging with customers to ensure highest level of customer satisfaction. Denny is a fluent speaker of five languages as well.