Luca Martinetti (TrueLayer)
Overview
Luca Martinetti is an Italian software engineer and entrepreneur, best known for co-founding TrueLayer, a financial technology company specializing in open banking APIs. As the Chief Technology Officer (CTO) of TrueLayer, Martinetti has been instrumental in driving the company's innovative solutions that facilitate faster, safer, and more efficient digital payments. TrueLayer, headquartered in London, plays a significant role in the fintech sector, providing infrastructure for financial apps and services across Europe and beyond. Martinetti’s contributions to the field of fintech include expanding TrueLayer's influence and co-developing its cutting-edge technology platforms.
Recent Developments
Luca Martinetti and TrueLayer have been involved in several prominent activities and strategic shifts recently:
- October 2025: TrueLayer announced its acquisition of Zimpler, a leading Pay by Bank network in the Nordics. This strategic move is set to enhance TrueLayer’s presence in Europe, especially in markets like Sweden and Finland. The acquisition aims to amalgamate TrueLayer's banking API networks with Zimpler’s expertise in local payment systems (source)
- September 2025: TrueLayer expanded its services into Poland, further solidifying its role within the European fintech ecosystem.
- March 2024: Luca Martinetti made a notable investment in SAPI during their Series A funding round, illustrating his active engagement in fostering innovation within fintech startups.
- 2024: TrueLayer continued to expand its technological infrastructure and customer base, processing millions of transactions monthly across various European markets (source).
Personal Information
| Attribute | Information |
|---|---|
| Full Name | Luca Martinetti |
| Born | Italy |
| Nationality | Italian |
| Occupation | Software Engineer, Entrepreneur, CTO |
| Known For | Co-founding TrueLayer |
| Net Worth | Not publicly disclosed |
| Education | Background in software engineering |
Early Life and Education
Luca Martinetti’s early life in Italy fostered his passion for technology and engineering. He pursued formal education in software engineering, equipping him with the technical skills necessary for his future endeavors. His friendship with Francesco Simoneschi, with whom he later co-founded TrueLayer, dates back to their schooling in Rome. This long-standing relationship was grounded in shared interests in technology and innovation. During his early career, Martinetti gained valuable experience as an engineer, working for various tech companies that specialized in SaaS and big data analytics. These roles helped him refine his expertise in software development and design, paving the way for his later success in fintech.
Career and Notable Achievements
Luca Martinetti's professional journey is marked by a series of significant achievements:
- 2016: Co-founded TrueLayer with Francesco Simoneschi, aiming to revolutionize the fintech industry with innovative open banking solutions.
- 2021: TrueLayer raised $130 million, attaining a valuation surpassing $1 billion, making it one of the major players in open banking (source).
- 2025: Under Martinetti’s technical leadership, TrueLayer expanded its operations across 22 countries, serving over 20 million users.
Martinetti's pioneering work at TrueLayer includes developing seamless user authorization processes that integrate financial data across platforms. His technical acumen has been pivotal in positioning TrueLayer as a leader in the fintech sector.
Current Work and Impact
As of 2025, Luca Martinetti remains the CTO of TrueLayer, where he continues to drive the company's strategic direction and technological advancements. His leadership has been crucial in expanding TrueLayer’s reach and influence in the financial technology landscape, particularly in enhancing online payment systems. Beyond his work with TrueLayer, Martinetti's impact is visible in his role as an angel investor, where he supports burgeoning fintech enterprises, thereby contributing to the broader ecosystem of innovation in financial services.
Conclusion
Luca Martinetti's career exemplifies the synergy of technical expertise and entrepreneurial vision. Through his work at TrueLayer, Martinetti has significantly influenced the transition from traditional banking methods to more sophisticated digital solutions. His efforts in scaling TrueLayer's operations globally underscore his commitment to financial innovation. As a figure in the fintech community, Luca Martinetti's enduring legacy will likely be his contributions to creating more secure, efficient, and accessible financial services for users worldwide.