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Cian O'Dowd, Co-founder and COO, Atoa

Cian O’Dowd is co-founder and Chief Operating Officer of Atoa, an FCA-authorised UK payments platform for Pay by Bank and card payments. Before Atoa, he co-founded the expense-management startup KlearCard, acquired by Validus in 2021. He writes and speaks about open banking, payment innovation and lowering the cost of getting paid for UK businesses, including in Automotive Management.

Areas of expertise

  • Open banking and Pay by Bank payments
  • Card and omni-channel payments for UK businesses
  • Payment reconciliation and finance operations
  • Fintech operations and scaling (COO)
  • Payments for automotive, retail and hospitality

Selected work and credentials

  • Co-founder & COO, Atoa (FCA-authorised payment institution, FRN 1007647)
  • Former Adyen (global payments); co-founder, KlearCard (acquired by Validus, 2021)
  • Author, “Payments innovation in the automotive industry” Automotive Management

Other References:

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