Supporting financial inclusion with thinkmoney

Driving innovation with users in mind 

thinkmoney had long been looking for a payments partner capable of supporting highly complex integrations without disrupting customers, while also enabling the business to innovate its product range. A flexible, API-driven platform was essential to enhance the customer experience across every channel and deliver the real-time connectivity and modern digital banking features users expect.

Challenge: Modernising to stay ahead

After two decades of growth, thinkmoney’s technology was holding it back. The business wanted to launch new digital features (like mobile wallets and self-service tools) and upgrade its tech to move faster and meet customer expectations.

That meant a full platform migration. Every card, every payment, and every data point had to move safely to a new environment, all while maintaining service for customers who rely on thinkmoney to manage their financial activities including essential bill payments.

Solution: A true partnership

Edenred Payment Solutions worked with thinkmoney to deliver one of its most complex migrations to date.

From planning to go-live, both teams worked side by side, combining technical delivery with strong governance and joint decision-making. The goal was simple: move everything over without interrupting customer activities.

Edenred Payment Solutions worked with thinkmoney to deliver one of its most complex migrations to date. From early planning through to go-live, the two teams collaborated closely — blending technical expertise, strong governance and joint decision-making to ensure every payment, card and data point moved over seamlessly. The goal was simple: complete the migration without disrupting the customers who rely on thinkmoney every day.

The partnership was built on a shared mission. Both organisations were deeply aligned on improving financial outcomes for end users, and that common purpose shaped every stage of the project. Clear communication, rigorous governance and stakeholder involvement across both businesses ensured the migration remained compliant, controlled and on track.

Throughout the process, customer wellbeing stayed at the centre of every decision. thinkmoney’s longstanding commitment to good customer outcomes, combined with Edenred Payment Solutions’ experience in complex payments infrastructure, created a framework where innovation and protection worked hand in hand.

Despite the scale and complexity of the migration, both teams approached the challenge with confidence and meticulous planning - identifying gaps early, refining processes and adapting quickly where needed. Their shared focus on quality and resilience allowed the project not only to succeed, but to set a stronger foundation for future innovation.

For both companies, the migration became more than a technical transition: it was an opportunity to rethink how their platforms could support long-term growth, customer trust and modern digital banking experiences.

The team has wide-ranging experience and expertise across products and project management, and being part of the wider Edenred group ensures that we have a stable and reliable platform - which has 99.99% uptime. We need this dependability as we look to scale our existing offerings and expand into new product and market segments.

Michael Aldred, CEO, thinkmoney

Impact for customers

For thinkmoney's customers, the benefits are already clear. 

A more reliable, modern platform means payments land when they should, bills are paid on time and everyday banking feels smoother. Features like mobile wallets, real-time notifications and improved budgeting tools help people stay in control of their money.

This stability matters. Many customers use thinkmoney to manage tight budgets and avoid missed payments, so a dependable service directly supports financial confidence and resilience.

With a stronger foundation now in place, thinkmoney can deliver new features faster, continually improving the tools individuals rely on to manage their financial lives.

Results

• Migrating all customers overnight with no downtime 
• Digital wallet integration across Apple Pay and Google Pay 
• Ongoing collaboration to deliver new services
  

Looking ahead

The thinkmoney and Edenred Payment Solutions teams continue to work closely on new capabilities and product improvements. What started as a migration has evolved into a long-term partnership built on trust, collaboration and shared ambition.