People Friendly, Earth Friendly

Let’s Start With People Friendly Money

Better Ways To Save

Better Ways To Pay

A Better Way Than Banking




How about High Interest Earning Savings?

How about Buy Now, Pay in Instalments, Interest Free?

Let’s get these working together 

We Bring Payments To Life

























Everyone Benefits > People Friendly, Earth Friendly 

Let’s start with People Friendly Money > A better way than banking > Let’s empower trust through shared benefits.  > Better ways to Save, Better Ways to Pay                                                                                                                                                              Save interest on loans, mortgage payments and earn with roundups, boosts and recurring savings.    

Buy now, pay one instalment at purchase and in 2 instalments over 4 weeks, interest free and fee free! The purchase is automatically authorised based on the equivalent balance secured in your savings account and the instalment automatically deducted if you don’t pay the instalment by other means when due.

If you decide to pay in full at purchase then you may be eligible for cash back to your savings account from participating merchants.

People friendly Money

Customers search and discover retail, ecommerce, merchant partners via the app. Added to this promotion by merchant partners and social promotion by the customer are encouraged.


Earn Attractive Interest on Savings, Cash Back on Purchases, Zero Interest on Instalments

Dramatic trends by the world’s highest value consumers, Millennials and GenZ, moving away from debt and credit cards to largely debit card based interest free installment payments has seen multibillion dollar instalment transactions, first in Australia, now the US and UK, Europe and beyond.

Interest rates have declined to the point that there are little, no or negative returns on savings. Better, rewarding ways of saving are needed. Our goal is that revenue arises principally from merchant partners fees via these sales transactions. So not only can customers benefit from interest free installments when they buy, customers also may benefit from very attractive interest on their positive savings balance.

Retailers Benefit > Customers Do Too

Partner retailers, eCommerce, merchants can see 20%+ increase in customer conversion and 20%+ increase in average sales* (* this is based on published data on the sales impact of interest free installments on buying habits).

When customers use Pay.4, charges merchants very competitive fees at the time of customer purchase. Lower fees are possible since it is the combined opt-in balances of customers (via roundups, boosts, recurring savings) which provide the funds to power payments to the merchants following each transaction. Our goal is that revenue arises principally from merchant partners fees via these sales transactions. So not only can customers benefit from interest free installments when they buy, customers also may benefit from very attractive interest on their positive opt-in savings balance.

How it works – Jessica’s Story


Jessica Loves Paye™ Innovations

Jessica is a successful freelancer. Most often she is paid monthly.  It really helps her to be able to pay for some purchases using Pay.4™ interest-free instalments. For example, she would like a new warm jacket for when she will be in France for her next gig there. It’s a $280 jacket. She buys it on line and pays half, $140, when she places the order and then $70 in two interest free installments over the next 4 weeks. She loves being able to see what she paid for, where, and when. Jessica enjoys being able to highlight great finds and service among her select social network.


Z Can Automate Jessica's Saving and Earning roundups automate Jessica’s savings on the run, with all her payments.

When she buys a coffee for, say, $4.70 then, since she has opted-in to roundups, $0.30 goes to her savings balance.Jessica knows that she can add to her savings with boosts and can set up recurring savings amounts, daily, weekly or monthly. She knows that she that here positive savings balance can be allocated to reduce specific debts she may have. This may be, for example, an existing credit card balance, another loan account or even a home loan account.

Jessica Shares the Benefits of Pay.4, Earning Interest Too

Jessica knows as well that she can earn interest on her opt-in positive balance allocated to Pay.4 , along with the allocated opt-in balances across the customer community, powers Pay.4

So rather than pay an anonymous third party funder intends to pay its customers a nice share of the net from providing the Pay.4 service. We will be transparent on this. At this time we envisage that customers may earn 5% interest or more on the funds required and drawn down by to fund Pay.4 payments to merchants.

The Team

John Sullivan is’s founder, innovator, strategist. John is deeply motivated to make a positive difference in this world, with socially and environmental sustainable innovations and empowering trust.John holds an honours degree in engineering and an MBA, majoring in innovation and entrepreneurship. John has been active in internet ventures since the mid-90s including a listed global accountancy B2B network.

John Sullivan

Founder Chair,

Sunaina Atkar, is a payment industry leader with a decade delivering payment programmes from inception and product definition right through to execution and launch. Sunaina has a deep understanding of the hurdles which payments providers face and what’s required to ensure a smooth and efficient launch and ongoing, customer focused operations.

Sunaina Atkar


Software engineer/architect with deep background ranging from complex backend systems to mobile and web front-ends, as well as multi-disciplinary (hardware + software) projects. Interested in programming languages, compilers and standards among other things.

Hovik has led teams and projects,as well as being very comfortable with and enjoying hands-on engineering in C, C++, Objective-C, Swift, C#, PHP, Python, JavaScript, Java and other languages. He has developed systems and applications for Linux, macOS, iOS, Android, Windows, various embedded systems, as well as for the Web.

Hovik Melikyan


Aaron is an international payments leader, with major experience with fintech disruptors in payment in London.                                  Aaron’s expertise emcompasses:

  • Design and management of BIN sponsorship program implementations with both VISA and MasterCard
  • Compliance with payment sector rules and regulations, software requirements, end to end transaction cycle, risk, PCI requirements, risk and fraud
  • Education in full issuing life cycle, software constraints, processing, settlement and funding
  • Specification, design and management of connection projects for both VISA and MasterCard for Issuing and Acquiring processor systems
  • Management of Princial Membership process with schemes
  • Responsible for operational design of BIN sponsorship business processes; sales, on boarding, implementation
Aaron Coomber


Global customer advocacy thought leadership, encompassing community programs, enhancing and helping to build brand visibility. Most importantly igniting positive change for’s customer community via
– Meet-ups: hosting meet-ups around the world
– Engaging users for storytelling sessions, connecting with other customers in the customer network and in-person connections
– Engaging with the media and speaking at conferences

Listening to people and helping to create a positive community of happy and satisfied customers

Bryony Cole

Customer Advocacy,

Alessandro just completed his second masters degree in sociology and ergonomics of digital technologies. He has more the a decade of
experience as a digital product designer.
Ale applies User-Centered Design methodologies to find the best solutions for digital products, services and systems, aligning business goals and user needs. He loves to look at customer experience early in the process, engaging with users and bringing a different perspective in order to influence the technology decisions accordingly.

Alessandro Trezzi


Key Advisors

Giovanni Santini is our Gibraltar based specialist payments and pre-paid cards adviser. Giovanni is very experienced with creation and implementation of pre-paid card schemes. Giovanni’s experience includes:

  • Initiation of new prepaid BIN (bank identification number) projects with major card schemes
  • Liaison point between the client, company, processors, card schemes, card personalisation bureau’s and other third parties.
  • Implementation of NFC (Near Field Communication), dual interface (contact and contactless) products and EMV (Europay, Mastercard, Visa) cards
  • Setup up of Head Office Collection Accounts (HOCA) and associated reconciliation systems.
Giovanni Santini


Ajay Yadav is a member of the 2017 Forbes 30 under 30, the Founder and CEO of Roomi, U.S. leading peer-to-peer marketplace helping people find shared housing and the right people to live with. An expert on the sharing economy and the millennial mindset, Ajay is a regular contributor and international speaker on fundraising, building valued networks and the expat entrepreneur experience.

Ajay Yadav

Founder and CEO, Roomi

Professor Michael Mainelli Michael Mainelli (Project adviser) is the co-founder of Z/Yen, the City of London’s leading commercial think-tank and venture firm. His career summary is a decade of technology research (aerospace, computer, seismology) followed by a decade in finance (Arthur Andersen, partner at BDO Binder Hamlyn and Director of Europe’s largest R&D organization (DERA)) then subsequently over 15 years of finance & technology in Z/Yen. Educated at Harvard, Trinity College Dublin and the London School of Economics he is also Professor Emeritus of Commerce and a Fellow at Gresham College, Visiting Professor at the London School of Economics Department of Management Information Systems & Innovation Group.

Professor Michael Mainelli

Co-Founder, Z/Yen

Kate Merrill, has outstanding experience as general and corporate counsel, including as Deputy General Counsel & Director M&A for Intel. Kate has extensive international experience across:
• strategic transactions – including mergers and acquisitions, divestitures, spin-offs, investments, partnerships and joint ventures;
• intellectual property – including inbound licenses, SaaS and other outbound licenses, code and software development, co-development and collaboration agreements, patent acquisitions and divestitures;
• commercial transactions – including financings, leases, confidentiality and escrow arrangements, sales and services agreements;
• compliance and ethics – including privacy, corporate governance, anti-corruption, trade, securities, information governance and records management

Kate Merrill

Guillaume Gardey, is’s special advisor on big data. Guillaume holds a PhD in computer science with more than 6 years of hands-on experience with Hadoop & Big Data systems and 10 years of experience with distributed systems, databases and software engineering. Guillaume is comfortable stepping in at all levels of a Big Data platform, from planning, design, and architecture, prototyping, and applications development to clusters deployment and operational aspects in collaboration with data scientists, software engineers, devops, analysts, and business users.

Guillaume Gardey, PhD

Big Data Architect


Bringing together the latest cloud, video, AI, machine learning technologies to enhance customer experience


Payments Technology

The payments technology uses is entirely modular. It means that we can maintain our tech one chunk at a time. Avoiding downtime, shorter development time frames and frequent updates mean we’re constantly improving and always delivering.

We’re not stuck with “old school” systems like “old school” banks

TRUST & DEEP LEARNING aims to build trust in our community. Encouraging positive behaviours and identifying and flagging bad actors will be based on cutting edge machine learning algorithms built for precision in calculating risk. This allows Oulala to provide great solutions with low  transaction and default fees.



Cloud and Video Technologies allow for:

  • streamlined payments
  • great customer social engagement and
  • compelling partner promotions
  • transparent and rapid responses to our community

Contact Us

Oula.laPriority is creating a better way than banking > we're about empowering trust through shared benefits. Receive and make all of your payments with Paye virtual card via's mobile app 

Save interest on loans, mortgage payments and earn with roundups and recurring savings                                                

Buy now, pay half at purchase and then 2 instalments over 4 weeks, interest free!

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