P a n k a j
Builder Founder Tinkerer MSc Bristol Fintech
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About

I build things.
Breaks included.

I'm Pankaj — an MSc Technology Innovation & Entrepreneurship student at the University of Bristol CIE, with a background in data analytics and fintech. I've worked in founder-level roles at early-stage startups and think naturally in systems, frameworks, and first principles.

My main focus is Settle — an Open Banking payments startup for UK small merchants. 10 SMEs have signed up for the pilot. Everything else on this site started as a break from Settle. Turns out my idea of rest is building something new.

The thesis

Real problems get solved when someone obsessive enough to care deeply also has the technical range to actually build. I'm trying to be that person.

Background
🎓
Education
MSc Technology Innovation & Entrepreneurship
University of Bristol CIE
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Background
Data Analytics · Fintech
Founder-level roles at early-stage startups
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Hardware
ESP32 · UWB · IMU · NFC
From breadboard prototype to field test
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Outside work
Cricket obsessive. Systems thinker. Hardware tinkerer at midnight.
What I work with
Open BankingPythonFastAPI Next.jsFirebasePostgreSQL ESP32UWB / IMUData Analytics Product StrategyGo-to-marketFigma Claude APINode.js
What I'm looking for

Conversations with people in Open Banking, UK fintech, proptech, or hardware. Advisors who've navigated early-stage fundraising or FCA regulatory pathways. Collaborators who want to build something real.

Let's build
something.

Open to conversations about fintech, hardware, Open Banking, or anything genuinely interesting. DMs are always open.

Pankaj Jyani

Based in Bristol, UK · Currently building Settle — Open Banking payments for UK SMEs.