our Team

Hilmar Ingimundarson

Hilmar Ingimundarson

Hilmar is CEO of Daffi Digital Ltd, Nevis, and Cofounder of Kernel Edge Technologies Ltd, London, United Kingdom.

Hilmar has 10+ years of experience in the banking and payments industry where he managed from the UK the market development of card settlement business and portfolio across EU. With comprehensive experience and industry know how, Hilmar has lead several projects to launch and developed strategic partnerships within the European payments industry.

Hilmar has lived and studied in Australia, France, UK but calls Iceland home. He has an M.Com degree in Finance & International Business from the University of Sydney, served as a junior lecturer in Sales Strategy at the University of South Australia and holds an MBA. He currently also serves as chairman of the Klifurhúsiò climbing gym in Reykjavík, Iceland.

Marc Bernier

Marc Bernier

Marc has 30+ years of experience in project development, project implementation, and market development.  He has been the lead advisor to several sovereign entities to negotiate and obtain Moody’s and Fitch credit ratings, bond issuance for sovereign infrastructure projects, and the creation of SPE’s to fund and operate sovereign-owned infrastructure companies. 

Over time, he acquired a wide range of experiences in developing and operating private, public, and sovereign large-scale projects in emerging markets. 

Marc has been involved in software development and FinTech projects for 20+ years. He was part of the startup teams in SaaS financial management, eMoney service providers, collaboration platforms, and idea-sourcing platforms. Marc is currently based out of Sint Maarten.

Chris Donnachie

Chris Donnachie

Chris has over 30 years of experience in Debit & Credit Card Issuing and Acquiring, Money Transfer, Foreign Exchange, Banking, Technology, Transaction Processing, and Identity Verification. Chris has worked in Financial Services and Technology in the UK, Europe, Canada, the United States, the Caribbean, Hong Kong, and New Zealand. he pioneered the issuance of the First Prepaid debit card solution with MasterCard International. 


He was also one of the pioneers in the use of POS Terminals for mobile payments in taxis. An early entrant into identity verification solutions in the mobile payments industry, Chris is a co-founder of Veratad, an online ID&V and Compliance company. In 2018, he was accepted onto the Barclays Techstars accelerator.


Chris has lectured for MasterCard University and currently sits on the Board of US and UK companies in the Fintech, ID Verification, and Payments Industries. Chris is based out of the United Kingdom.

our Partners

Kernel Edge Technologies

Kernel Edge Technologies provide solution design, developing, and launching digital solutions centered around FinTech. It has developed software solutions for e-current accounts, reward programs, and card payments, all underpinned with supporting software frameworks and governance. 

Kernel Edge has decades of experience in supporting businesses getting to market fast with cutting-edge products and solutions, blockchains expertise.

They have built Native mobile apps for Android and iOS, with fully responsive web application journeys and all supporting trigger communications to drive desired user behaviors. Examples of in-app features they have implemented are statements, transfer, card admin management, savings & budget tools, spend insights, carbon calculators, and quick loads to name a few.

Bespoke Payments

Bespoke is a United Kingdom provider of Card Payments, Online, In-Store, and In-App payment solutions. Bespoke offers a one-stop-shop for payment needs whether it is an mPOS solution, ePOS solution, Payment link, Virtual Terminal, 200+ Processing currencies, or eCommerce platform integrations.

Bespoke's full suite of online payment solutions and real-time fraud detection is designed to optimize the checkout experience for today´s Omni-shoppers.

Bespoke offers, in certain markets, a variety of terminals for in-store use by its clients and also provides partner solutions in certain industry.

MoneyMona

MoneyMona provides online e-Current Account and Visa Debit Card to its users. There are no credit checks so everyone can qualify. The account is operated online and can be topped up by bank transfer and cash can be paid into your account at selected counters location across the UK.

MoneyMona e-Current Account provides money management tools to help you manage your money and pay your bills on time.

MoneyMona has been providing online e-Current Accounts and Visa Debit Card services since 2012.

Veratad Technologies

Veratad Technologies, LLC is a world class provider of online/real-time Identity Verification, Age Verification, Fraud Prevention and Compliance Solutions.

Our verification solutions are designed to verify an individual’s identity and/or age while protecting sensitive personal data and promoting a high level of consumer privacy.

Veratad is trusted by companies large and small and our customers include some of the world’s most well known corporations that use our solutions to reduce the risk of fraud, comply with financial regulatory requirements, provide a safer online experience and act with a greater sense of social responsibility.