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Entrepreneurial DNA

Taken To The Next Level


Apply cutting-edge technology to build long lasting companies that can improve people’s lives.


Predictable Impact

Build scalable data-driven companies which are consumer oriented and can contribute to the society in which they operate.

The Power of Crowds

Fuel change by empowering users with peer to peer marketplaces that are more cost-efficient and convenient.


Peer to Peer Lending

Technology applied to amplify access to credit, reducing costs, and compensating the lenders with higher returns.

Price Comparison

One-stop websites where borrowers can input few fields and access their best financial deal, effortless.


Simplify the process of transferring money locally and internationally.

Growth Strategy


Build companies that can benefit our ecosystem;


Leverage the teams and technologies cross platforms to achieve scale;


Big data analysis to streamline operations and improve user experience;


Simplify processes towards maximising customer satisfaction and retention.

Management Team

Marcelo eats, sleeps and breathes business. He was born in Uruguay – moved to London in 2010 to set up Join Universe, complete his MBA and form a beautiful family. Following his serial-entrepreneurial instincts, he transformed Join Universe from a digital agency into a Corporate Group to better lead and finance all the projects he looks forward to build. Twitter Profile.

Marcelo Barreneche

CEO, Linkedin

Diego is at the heart of our operations, where computing and finance meet. Uruguayan born, he is a singular case of a postgraduate computer scientist with commercial skills. His extensive expertise in the financial industry and pragmatic engineering mindset are like bread and butter when it comes to executing our expanding Fintech products.

Diego Guidobono

COO, Linkedin

Juan Pablo is like rocket fuel, propelling our tech powerhouse to achieve ambitious goals, faster. Uruguayan born, Spanish resident, his mastery in computer science with strong expertise in the financial sector have helped to engineer Join Universe’s scalable architecture, which now flourishes in multiple countries. JP is at the beating heart of our strategy to build the next generation of Join Universe’s Fintech portfolio, stacking trends that provide us with a sustainable competitive advantage.

Juan Pablo Garbora

Senior Software Engineer, Linkedin

Juan combines a unique financial and commercial skills-set to come up with strategies that work. Argentine born, he has the entrepreneurial DNA rare to find in a post-graduate financial analyst who build up his career within multinational firms. He has a clinical risk/reward mind-set, critical for capital allocation cross-sections to make businesses grow at any stage.

Juan Ruiz

CFO, Linkedin

Sami has unlimited appetite for data science. Finish born, family advocate, he deploys all his thick academic and multinational awards to purify big data through automated techniques, coming up with relevant products that matter. Although friendly, he doesn’t speak much at work, but with computer interfaces. Sami is at the core of our crusades towards AI for developing marketplaces that can improve people’s lives.

Sami Suuronen

CIO, Linkedin

Valerio truly embodies Join Universe’s international persona. Indonesian born, Italian raised, US resident, Valerio holds a Master in Transportation Engineering from Georgia Tech – he knows how to get us from where we are to where we want to be with the less possible friction. A rare breed of engineer who can stomach risk and explore new boundaries, a true champion and driving force of Join Universe’s entrepreneurial DNA.

Valerio Oricchio

Director (U.S), Linkedin

You need to meet Jukka to confirm he is not virtual reality. Finnish born, he has deployed his computer science expertise in multiple disciplines from machine learning, virtual reality and consumer behaviour modelling, to government projects. His curiosity and appetite for disruptive technologies cannot align better with our philosophy and growth strategy.

Jukka Leino

CTO, Linkedin

Matt is our financial glue. He makes our multi-country operations look simple, providing solid foundations for financial innovation and scalable corporate growth. UK born, he has our entrepreneurial DNA stamp, applying institutional expertise to build long-lasting companies that can have an impact. Matt keeps the house in order and takes a commercial view with an analytical, enquiring mind going beyond the traditional reporting and compliance role. Matt takes the initiative and has a hands on approach to the group which provides a platform for delivering results.

Matt Grimsdale

Finance Director (UK), Linkedin