Our purpose and strategy
Our purpose is Helping Britain Prosper.
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Who we are
- About the Group
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Purpose and strategy
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Social housingChampioning social housing
Social housing is an integral part of the UK’s housing landscape.
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Brands
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group incorporates many household names.
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Environmental sustainability
![Building a sustainable and inclusive future]()
Download the report PDF, 14MB (opens in a new tab)Sustainability Report 2023
This report provides an update on our progress towards the Group's sustainability ambitions.
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Social sustainability
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Our partnershipCrisis
In 2023 we partnered with Crisis.
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Heritage
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Read the articleWho was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
- Downloads
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Investors
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Annual report
![Helping Britain Prosper]()
Download the report PDF, 15MB (opens in new tab)Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.Â
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Investor news
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Financial calendar Financial calendarFinancial calendar
See all the key dates in the financial year.
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Shareholder information
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Our investment caseWhy invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
- ESG information
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Annual report
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News & insights
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Insights
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Read the articleA-Z: From Anxiety to Zero Way Out
It's the alphabet that no child should have to learn.
- Group news
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Insights
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Careers
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Roles and departments
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Search for jobsTech and data roles
If you want to bring your knowledge and skills to a truly transformative, widescale digital environment, we’d love to hear from you.
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Culture and inclusion
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Read Xinyi's storyMusic and Data & AI
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
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Brands
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
- Benefits
- Learn and develop
- About applying
- Early careers
- Search jobs
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Roles and departments
- Search jobs
- Contact
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About the Group
About the Group collapsed
![]()
Purpose and strategyOur purpose and strategy
Our purpose is Helping Britain Prosper.
-
Purpose and strategy
Purpose and strategy collapsed
![]()
Social housingChampioning social housing
Social housing is an integral part of the UK’s housing landscape.
-
Brands
Brands collapsed
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group incorporates many household names.
-
Environmental sustainability
Environmental sustainability collapsed
![Building a sustainable and inclusive future]()
Download the report PDF, 14MB (opens in a new tab)Sustainability Report 2023
This report provides an update on our progress towards the Group's sustainability ambitions.
-
Social sustainability
Social sustainability collapsed
![]()
Our partnershipCrisis
In 2023 we partnered with Crisis.
-
Heritage
Heritage collapsed
![]()
Read the articleWho was Flora Murray?
As with all necessary struggles it’s often the actions of brilliant and tenacious individuals that create lasting change.
- Downloads
-
Annual report
Annual report collapsed
![Helping Britain Prosper]()
Download the report PDF, 15MB (opens in new tab)Annual report
Disclosures relating to our strategic, financial, operational, environmental and social performance.Â
-
Investor news
Investor news collapsed
![]()
Financial calendar Financial calendarFinancial calendar
See all the key dates in the financial year.
-
Shareholder information
Shareholder information collapsed
![]()
Our investment caseWhy invest in Lloyds Banking Group?
Higher, more sustainable returns as we continue to Help Britain Prosper.
- ESG information
-
Insights
Insights collapsed
![]()
Read the articleA-Z: From Anxiety to Zero Way Out
It's the alphabet that no child should have to learn.
- Group news
-
Roles and departments
Roles and departments collapsed
![]()
Search for jobsTech and data roles
If you want to bring your knowledge and skills to a truly transformative, widescale digital environment, we’d love to hear from you.
-
Culture and inclusion
Culture and inclusion collapsed
![]()
Read Xinyi's storyMusic and Data & AI
Xinyi is pioneering AI and advanced analytics at the Group alongside her part-time role as a concert pianist.
-
Brands
Brands collapsed
![A selection of Lloyds Banking Group brands]()
Our brandsOur brands
Lloyds Banking Group is best known for its portfolio of financial services brands.
- Benefits
- Learn and develop
- About applying
- Early careers
- Search jobs
Fintech investment
The fintech ecosystem is one of the most exciting and dynamic industries in the UK. Our Fintech Investment team is helping to bring the benefits that these innovative companies provide to the Group and our customers and clients, while supporting the sector to grow.
Why fintech investments?
Fintech (financial technology) is revolutionising the ways we think about and interact with our money. Recent years have seen the arrival of contactless payments, blockchain and Open Banking. With over 2,500 fintech companies in the UK, the industry is a real success story for British business.
An important part of the Group’s strategy is to target investments in companies and technologies that create value. We want to harness the dynamism and creativity in the sector, and bring it into what we do every day to support our customers and clients.
Our approach
We build the bridge between the needs of our business and personal customers, and the fintech community. Our team looks to take minority equity stakes in early-stage fintechs – from Seed to Series B – to help accelerate the Group’s pace of change, and help us look further forward than we have before. This represents a cultural step-change for the Group, as we look to emulate the speed and energy of the fintech sector.
Our Fintech Investments
Aveni
Developing FinLLM, an industry-aligned Large Language Model, aiming to set the standard for the ethical adoption of Generative AI across UK financial services.
Coadjute
Uses distributed ledger technology to securely connect existing property software systems throughout the house buying process.
Enigio
Provides solutions for secure, traceable, and consistent digital information management, with their bespoke trace:original solution.
CoBa
A cloud-hosted platform that enhances collaboration between businesses and banks by sharing information and services in real-time.
Fennech
Utilises AI and cloud-based technology to automate finance processes, bridging businesses and banks for seamless account management.
Yoti
A digital identity company that simplifies identity verification online and in-person, contributing to the UK’s digital ecosystem growth.
Ocula
Empowers businesses with key insights through its digital and data science platform.
Caura
Simplifies car admin for UK drivers by consolidating driving-related payments into one app.
Acin
Enhances risk and control management with data-led solutions, supported by our fintech investment.
Moneyhub
A leading open finance and payments platform.
ThoughtMachine
Develops innovative banking technology for customer improvements.
Satago
Provides a digital platform for Single Invoice Finance and Whole-Book Invoice Factoring.
Form3
Simplifies and accelerates payment architecture capabilities.
Fnality International
Utilises blockchain for a digital cash system in financial transactions.
Working with us
We’re constantly on the look-out for new and exciting investment opportunities or partnerships that can deliver substantive change for our business and our customers. If you’re interested in investment, please email us. Or if you’re interested in partnership opportunities, find out more about how we work with fintechs.
Meet the team
News and insight
Published on: 19 January 2023
7 min read
What's next for fintech in 2023?
Find out what Kirsty Rutter, the Group Strategic Investment Director thinks will be the top fintech trends in 2023, and what organisations should prioritise.
06 June 2022
4 min read
Working together with fintech SMEs
We started our Launch Innovation Programme alongside Fintech Scotland to work in partnership with, and learn from, some of the best fintech SMEs in the country.