Consumer behavior: Digital wallets, fraud, and the future of how the UK pays
September 17, 2026
Jakub Zmuda has over 12 years of senior leadership experience. Prior to co-founding and launching Modulr in 2015, Jakub held the post of Technical Product Director with WEX Europe, a subsidiary of WEX Inc., where he developed a passion for building useful Fintech products.
Jakub led teams in the UK and US building new products and enhancing existing platforms that delivered WEX virtual & physical travel card offering. Prior to focusing on product development Jakub held the post of Client Operations Director, leading European teams for Product, Implementations, Customer Services and Risk & Compliance.
Jakub’s earlier career at WEX Europe, and CorporatePay prior to its acquisition by WEX Inc., included business development and programme management of an international delivery team for a WEX fleet card platform rollout across 15 markets. Jakub began his career with Agilisys, a leading Professional Services firm focusing on business transformation and service outsource contracts, where he specialised in project and programme management of complex financial system integrations and payments system deployments.
Jakub holds a BSc in Management & Information Technology from the University of York.
