On a mission to build a simple, efficient, and cloud-based payment platform.

We aim to empower start-up's with reliable and efficient payment infrastructures, allowing them to focus on innovation while we handle their financial intricacies with accuracy.

Who We Are

We're a team of passionate financial services engineers, with software at our core, we're envisioning and building a pioneering financial platform to advance the next era of financial services.

Our People

Meet the leadership team

Tony Ferguson
CEO - Founder

Tony is a fourth-generation entrepreneur and has over 25 years of experience in the finance, software, and payments industries. He is passionate about building innovative products and solutions that make it easier and more efficient for people to pay and be paid. Prior to Penny, Tony founded EML Payments (ASX EML) in 2001, the first and largest prepaid payment processor in Australia.

Craig Waterhouse

Technical project manager and information security specialist with 20+ years of experience leading and managing complex IT projects across people, processes, and technologies, including PCI compliance. Expertise in project delivery, cloud infrastructure, information security domains, standards alignment, and regulatory compliance. Proven track record of success in delivering projects on time, within budget, and to the highest quality standards.

Penny in the news


Penny Inc. attended the FinTech Meetup in Las Vegas in March 2024. We met up with Rudy Yang, Senior Analyst, Emerging Technology with PitchBook while we were there to talk insights and predictions for the future of FinTech. Check out his report on the show, which includes quotes from Penny CEO, Tony Ferguson, on his thoughts on whether or not the expense management space is saturated as well as how to build a competitive advantage and use generative AI in the space.

Navigating Data Chaos in 2024

A Guide for Business Leaders, if Data is the New Gold, Make Sure Yours is Legit. In the swiftly evolving landscape of 2024, the impact of Artificial Intelligence (AI) on businesses is reaching its peak, and we’ll see a massive change in how data is managed in the interest of visibility this year. See full report here