Founder & hands-on CTO for ambitious products in
From banking and government to incubating new ventures, Richard partners with founders who need senior technology leadership and craftsmanship in one person.
He actively codes, launches, and scales products while guiding strategy, delivery, and teams.
Recent Photos
House of Lords highlights
Moments from recent engagements inside the historic House of Lords, spotlighting technology leadership across regulation, policy, and innovation.
Incubator & advisory
Richard's companies
Through Formulate Digital and Remarkable Dynamics, Richard helps ventures in finance, government, and enterprise accelerate delivery with modern stacks, AI-enabled workflows, and deep domain expertise.
Incubator
Formulate Digital
Architects high-performance financial services products, blending AWS, Flutter, Rails, Supabase, and React with AI-assisted delivery.
Selected partners
- Global fintechs
- Scaling startups
- Regulated incumbents
Incubator
Remarkable Dynamics
Data analytics consultancy for organisations like NatWest and the Home Office, specialising in Azure, Power Platform, and Dynamics.
Example clients
- NatWest
- Home Office
- Enterprise teams
Incubator
Nestopia
Mobile platform transforming renting with a simpler, smarter, more transparent experience.
Selected partners
- Global fintechs
- Scaling startups
- Regulated incumbents
Incubator
Loxa Cover
FCA-regulated product protection cover for retailers, valued at £7m with 10k+ policies sold.
Selected partners
- Global fintechs
- Scaling startups
- Regulated incumbents
Incubator
RiskTrace
Automated compliance platform powering complex risk assessments for government suppliers.
Selected partners
- Global fintechs
- Scaling startups
- Regulated incumbents
Ways to work together
Partner with Richard
Whether you need a fractional CTO for a scale-up, a technical co-founder for a new venture, or a speaker who can translate complex technology into commercial impact, Richard brings decades of regulated-industry experience and an incubator mindset.
Technical co-founder
Partner with a seasoned entrepreneur to de-risk delivery and accelerate product-market fit.
Fractional CTO
Shape technology strategy, hiring, and delivery without committing to a full-time executive.
Keynote speaker
Inspire audiences on innovation, leadership, AI, and the future of building in regulated industries.
Product build or takeover
Launch a new mobile or web platform, or rescue an existing codebase with pragmatic engineering leadership.
Let's build
Ready to incubate your next product?
Share your roadmap and Richard will help architect the technology, assemble the right delivery model, and get your launch moving faster.