Luke Ladyman is the Chief Operating Officer and co-founder of Cheddar, the award-winning UK fintech reimagining how people save and pay. Cheddar uses open banking data, payments and AI to turn everyday spending into automatic savings through gift cards and rewards, partnering with major brands including Tesco, Sainsbury’s, ASDA and Uber. In 2025, Cheddar won Best App at the Open Banking Awards for its category-defining integration of open banking payments, open banking data, and gift cards.
Luke co-founded Cheddar in 2020 with the belief that payments should create choice, not friction, and that gift cards can evolve from a niche reward into a core financial product. Alongside Cheddar, he is the founder of Debit Score®, a new approach to financial health built on real spending behaviour rather than borrowing history. Luke brings a practical, operator-led perspective on how payments, data and incentives are converging to reshape consumer finance.