About Andaria

Andaria is home to a group of seasoned professionals with decades of experience across payments, fintech and banking. Our core mission is to broaden access to digital financial services for businesses around the globe.

We believe those essential services should be readily available to all – and at a fair price. This philosophy has driven the evolution of Andaria.

The outdated technology and bloated costs of international money transfers was our first target, we then moved our attention to disrupting the banking sector by fixing the problem of access to business accounts.

Next…well to hear more about that, you’ll have to come back again soon (or follow us on LinkedIn or Twitter!)

A growing business

We didn’t race to market – we spent time building robust governance structures, stable technology and an outstanding team. In 2021, we secured our licences from both the MFSA in Malta and the FCA in the UK, and we opened offices in both countries, enabling us to support businesses across the UK and Europe.

These foundations underpin the great service that Andaria now provides to our growing client base.

Fast-forward to 2023, we now have 50+ employees, with more joining every month, (we’ve already had to upgrade to bigger offices!) We’re onboarding clients in both the UK and Europe and our journey has just begun. Watch this space for what is coming next!

With Andaria you’re in safe hands – we deliver:



Andaria was built with strong foundations and governance in place to give our customers long-term peace of mind.



We deliver the ease of experience that you and your end-users expect so you can focus on your business success.



We don’t just offer security of funds, we also use the latest fraud and transaction monitoring tools to ensure your business is always well-protected.



We offer excellent support. Our dedicated account managers will keep your business’ best interests at heart.

How can we help you?

Andaria’s leadership team

Nirav Patel - Chief Executive Officer

Nirav Patel

Chief Executive Officer

Nirav is an accomplished and high-achieving Payments and Banking Executive, with experience that includes developing strategies and leading organisations to maintain both growth and profitability.


Kurt Azzopardi

Chief Technology Officer

Kurt has hands-on experience in IT and development, having over 15 years’ experience in the industry, ranging from Software Development, Banking, Insurance and Financial Services sectors.


Claire Farrugia

Chief Compliance Officer & MLRO

Claire has worked with several licensed Financial Institutions based both in Malta and the UK, with years of experience leading Compliance functions from both a regulatory and operational perspective, gaining experience within the Fintech Industry, especially within an Acquiring and Issuing payments sphere.

Reuben Abela - Chief Revenue Officer

Reuben Abela

Chief Revenue Officer

Reuben has 14 years of experience in several diverse sectors, with particular focus to the Payment Services industry. He has led numerous teams through global expansion, M&A and commercial restructuring.

Helen Owen - Chief Marketing Officer

Helen Owen

Chief Marketing Officer

Helen has over 20 years’ B2B marketing communications experience and has spent the majority of her career working with payments and fintech businesses. She joined Andaria in 2023 to support the company’s ambitious growth and development plans.


Malcolm Portelli

Chief Information Security Officer

Malcolm is a highly knowledgeable information security expert, with over a decade of experience working in ICT and establishing information security processes, business continuity and incident management procedures. As a key part of the executive team, Malcolm is responsible for safeguarding Andaria’s ICT processes, data and assets.

Alan Smith - Managing Director (UK)

Alan Smith

Managing Director, UK

Alan is a commercially focused, creative business leader with over 20 years’ payments sector experience. He has worked across a range of areas including strategy, business/project leadership, business development and innovation. Alan joined the company in 2021 to build, launch and lead the growth of Andaria in the UK.

Kecin McAdam - Director of Cards

Kevin McAdam

Director of Cards

Kevin has extensive experience as a global payment specialist spanning 20+ years within fintech, payments and financial services. He has developed a full suite of corporate and consumer payment and card services within both the public and private sector in the UK and North American (NA) markets. Kevin joined Andaria in 2023 to support the business' next stage of growth and expansion with specific focus on leading the strategy and ongoing development of our card programmes.


Gilbert Cini

Chief Financial Officer

Gilbert is a qualified accountant, who has worked with both local and international companies. With a specialization in Tax Services, he has extensive history in auditing, having had exposure to Financial Services including Banks, Gaming sector, Funds and Insurance companies.


Ritienne Bajada

Head of People

Ritienne is an experienced HR professional with a wealth of experience across different sectors including finance, technology, igaming, healthcare, and education - both in the UK and in Malta. Ritienne joined Andaria in 2023 to lead our cultural and people-based initiatives across the organisation.