Founded in 2007 by chief executive Noel Moran, 45, this company’s key product is prepaid cards used by individuals, corporations and local authorities throughout Europe to monitor and control staff spending. The firm, which operates in 21 countries, has also launched contactless payment systems, smartphone apps, multicurrency cards and corporate expense products. PFS is now focussing on growth in emerging markets, where an increased demand for cashless payments helped drive sales to £18.5m last year.