Payment solutions | Local FinTech entrepreneur working at a global scale


Guernsey based entrepreneur, Nick England, is the founder and CEO of VFX, one of the largest non-banking providers of currency exchange and payment solutions. VFX currently operates in the UK, Eurozone, UAE, Africa and Asia.

VFX have built and operate their own proprietary intelligent payment gateway, MoBe HUB. This digital enterprise service technology provides access to local high-value and low-value clearing in over 200 countries.

By combining this ground breaking technology with in-country relationships, a deep knowledge and expertise of foreign exchange and the payment landscape, and access to mainstream banking and mobile money schemes, VFX are able to tailor and deliver solutions according to a range of customer needs and markets and build bespoke FinTech applications.

Solutions range from low value migrant remittances (as example delivering real time cross border credits to MPesa in Africa, which is the world's largest mobile wallet); moving up to individuals with currency requirements; to corporates with foreign exchange exposure; and finally fiduciaries with treasury exposures.


Recent products have focused on bringing the same convenience and value provided to its corporate and institutional clients to the retail remittance sector. These have centred on their own proprietary Mobile Wallet technology. Products include EasyFX a pre-paid real-time multi-currency debit card. This allows for monies to be loaded directly from an individual's debit card and the user can then spend money with their Easyfx card in any currency at preferential exchange rates.

On a personal level, Nick is proposing solutions to use VFX’s remittance technology to ensure that aid money is delivered in full to those it was intended for and an efficient and transparent way.

Working in

Closer to home, he is working with Guernsey College of Further Education students to allow them to explore MoBe technology and to develop a product that can be used in the GCFE’s cafeteria and wider afield in retail. The product will provide the convenience of a digital wallet to users and retailers, whilst also reducing the costs retailers currently experience with card based transactions.


Guernsey has a great life style, easy access to London and it is a relaxed environment to work from. The advice I would give someone starting out in business is to follow your heart. Believe in your dream and never give up

Nick England

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