Andy leads a portfolio of standalone digital businesses & products to generate new revenue streams across NatWest. These ventures use modern technology to create & launch innovative business models into the market & so far include a digital banking proposition for consumers & SMEs (Mettle), a cash flow lender (Rapid Cash) & a merchant acquiring business (Tyl), plus a number of other banking and adjacent businesses. He is also on the Board of FreeAgent (cloud accounting software).