We want to improve businesses by digitising commercial banking transactions

We want to improve businesses by digitising commercial banking transactions

Cardlay A/S is a Danish FinTech company founded with a clear purpose: To enrich every transaction. We want to improve businesses by digitising commercial banking transactions while continuing to challenge the endless possibilities of business process automation and bringing transactions to life through machine learning and intelligent solutions.

From day one, Cardlay has provided a digital solution with a unique user experience for a great improvement of company operations. Cardlay’s forefront software is aimed at helping companies automate business processes, by leveraging the integration between credit cards, Travel Expense Management and EU-VAT reclaim.

Cardlay´s Vision and Value Proposition

Cardlay is a strategic partner to banks, card issuers and processors in the digital transformation process and enables white label partners to strengthen digital relations with customers and stay relevant in a new era of digital banking.

Cardlay’s white label product provides banks with a solution to build new revenue on existing portfolios, secure retention and gain new market shares. The vision is to enrich all transactions.

Cardlay is conceived as a global player from the very beginning and ambitions are sky-high. The long-term strategy is to take on major international players in the field of expense management by rethinking and automating corporate business processes.

Awards and recognition

Cardlay has already won a number of awards, recognizing the unique and super user-friendly solution, among those the ones mentioned below.

Fintech Scaleup Award 2018 Copenhagen Fintech

Best Payment Solution Wealth & Finance International

Best B2B Payments Product Fintech Breakthrough Awards

“Denmark Fintech Startup Cardlay Secured $4M During Funding Round” Crowdfundinsider

“Cardlay Raises $4 Million to Usher Traditional banks into the Digital Age” Businesswire

“Danish card management platform Cardlay raises $4 million” Tech.eu

“Thorleif Krarup skyder millioner i dansk fintechselskab” Finanswatch

Management

Welcome to Cardlay.
The new transitional window

Jørgen Christian Juul

CEO & Founder

Jørgen Christian Juul is the founder of Cardlay and has extensive experience from holding Executive positions in listed companies and other corporate organisations, and at the same time being an entrepreneur. In his most recent position, he served as Executive Chairman at Wallmob, which he founded, operated, and sold to the Nordic IT Conglomerate Visma.

Vladimir Pajkovski

CPO

Vladimir Pajkovski is both product owner and responsible for building Cardlay’s partner network and integrations. Vladimir contributes with experience from the largest Nordic banks as a senior executive

Mikkel Noesgaard

CCO

Mikkel is commercially responsible at Cardlay. He has +16 years of international experience within sales, marketing and business development. Prior to joining Cardlay, Mikkel has held executive positions in IT and Telecom companies, recently as CMO in Telenor Serbia, and brings strong experience working with digital operating models and partnerships.

Mikael Elling

CFO

Prior to joining Cardlay, Mikael held CFO and VP finance positions for several large MNCs and PE owned corporates. He has vast international experience and recently lived and worked 6 years as CFO in Singapore, the financial hub of South East Asia. As CFO, Mikael has successfully executed a number of M&A transactions, exits and due diligences. He has issued and listed large financial instruments and has strong experience with international capital markets and in managing investor relations.

Tobias Holger Hansen

CLO

Tobias Holger Hansen is Chief Legal Officer and responsible for managing legal risks within the Cardlay group. Tobias has previously worked as a banking and finance lawyer at a tier one law firm in Copenhagen and as Vice President for Legal & Compliance in a Danish payment institution.

Michel Thorsen

COO

Michel Thorsen is an experienced Business and Project director with more than 20 years experience with IT product definition, development, service delivery, and support. He is currently COO.

Chris Raphael Mora-Jensen

CTO

Chris Raphael Mora-Jensen, is our CTO. He has solid tech, engineering leadership experience and is former Director of Engineering at Kayak and momondo.

Pernille Horneman

Marketing Director

Growth Hacker. Former Director of Global Cloud Sales, Marketing & Partners at Columbus and Digital Lead at Microsoft. Solid Go2Market experience focused on sales enablement, customer growth, scalability, digital transformation and user experience.

Jannick Asmus

Head of Design

Former AD & Head of Design at Wallmob. Jannick has been with Cardlay since the very beginning and formed the company's unique and strong design profile. He brings solid product- & user-design experience from significant digital players.