On Demand Payment Technologies

On Demand Payment Technologies Ltd (ODPT) provides real-time fraud detection solutions to the banking industry.  


Payment fraud

What we do

Our flagship product is Defender which employs cutting edge AI, ML and Blockchain technologies to process both incoming and outgoing payment messages received from banks using Defender’s APIs.  

Defender collaborates with our technology partners to allow banks and third-party payment providers (TPPs) to confirm the identity of payees (Confirmation of Payee) and detect fraudulent payments using our (patent pending) KYPayee and AVAssess fraud detection models. Blockchain provides the inherent immutability which is essential to maintaining the auditability and integrity of our real-time KYPayee and AVAssess analysis and alerts.

Payment fraud alert

KYPayee is our Know Your Payee proprietary technology which conducts real-time payee verification and fraud analysis. AVAssess is our Account Vulnerability Assessment proprietary technology which conducts real-time assessments based on multiple behavioural factors of account holders, including age and demographics.

Defender technologies have been developed in collaboration with UK academics and are continuously stress-tested to ensure that over 90% of payment fraud are detected in real-time.

About Us

ODPT provides cutting-edge technologies for a safer payment ecosystem.  We collaborate with our Clients and technology partners to provide tailored solutions for fraud prevention.

Our Team

John Bertrand- Consulting Director
John Bertrand
Consulting Director

John has over 20 years experience in banking and technology including Citibank, FIS Global and SAP. He has been involved in 10 acquisitions, the listing of four companies, including two start ups.

John is a member of the WCIT security panel and Digital Policy Alliance and has authored four books including Banking: Rebooted with Chris Skinner.

MBA Warwick University, BSc (Hon) in civil engineering City University, Liveryman at the Worship Company of IT and a Freeman of the City of London.

Watch John Bertrand talk about how payment fraud is an epidemic, rapidly changing and growing.



Douglas Cosbert- Chief Finance Officer
Douglas Cosbert
Chief Finance Officer

Douglas has extensive experience in banking and financial technology having worked in several leadership roles at Barclays Corporate Bank, Barclays Wealth Management, Credit Suisse,  Merrill Lynch, RBS NatWest, ABN AMRO. Rudolf Wolff, and Deutsche Sharpes Pixley.  Douglas started his consultancy  career at Logica UK in 1988. 

Douglas holds BSc (Hon) in Psychology, University of London, PGDip (Commendation) in Business Information Technology, Northumbria University, MSc (Distinction) in Applied Accountancy and Finance, London South Bank University and is a fellow of the Chartered Association of Certified Accountants (FCCA).

Watch Douglas Cosbert talk about how ODPT Defender protects banks and their customers.


To learn more about our products and services, please contact us today for a no-obligation discussion.

Telephone +44(0)560 364 4410