Tom Hill is CEO of Zyntrix, a UK-based open banking payments company on a mission to redefine how money moves for businesses and their communities. Tom founded Zyntrix to challenge the card network status quo, creating faster, cheaper and more transparent payment journeys that keep value where it belongs: inside the ecosystems that create it. Under his leadership, Zyntrix has partnered with hospitality groups, property and accommodation operators, and membership communities to replace card fees with seamless open banking payments. Tom is a vocal advocate for payments as a force for good, working with community partners to pioneer recurring open banking payments and commercial variable recurring payments (cVRP), and is passionate about helping businesses reclaim value lost to legacy payment rails.