Luke Ladyman is the Chief Operating Officer and co-founder of Cheddar, an award-winning UK fintech using payments, open banking and AI to help consumers save more while enabling brands to deliver highly targeted, performance-driven rewards. Since launching in 2020, Cheddar has scaled rapidly to partner with leading retailers including Tesco, ASDA and Just Eat, driving measurable value through data-led customer acquisition, retention and incremental spend powered by bank transaction data. Inventing account linked offers in the UK, it's traction saw it awarded Best Newcomer at the British Bank Awards 2024, and Best App at the Open Banking Awards 2025. Before Cheddar, Luke ran a management consultancy focused on accelerating growth for global consumer brands including BMW, Mercedes, Ferrari, Guess and Moleskine. He brings a commercial, results-first mindset to performance marketing, grounded in real-world experimentation, attribution and unit economics. Alongside Cheddar, Luke is also the founder of Debit Score®, a new approach to financial health powered by transactional data rather than borrowing history.
Luke Ladyman
Thanks to our 2026 sponsors
Adtraction is a leading partner marketing platform that helps brands across Europe increase their sales at a predictable cost, while enabling partners to monetise their content and traffic. The company works with brands across multiple industries, ranging from e-commerce to financial services. With a user-friendly platform, Adtraction connects brands with a diverse range of marketing partners, from influencers and media houses to apps, tech platforms and comparison sites. The company was established in 2007 and is headquartered in Stockholm, Sweden, with offices in 12 countries across Europe.
Agenica builds AI marketing employees for brands and media agencies. Unlike generic LLMs, Agenica employees operates on live competitive activity—ads, creative and channel signals, plus a company’s internal KPIs and decision frameworks. It converts that into role-specific recommendations and ready to use briefs: what changed, why it matters, and what to do next.
Atolls helps millions of consumers make smart spending decisions online. These consumers engage with our shopping destinations, including Hotukdeals and over 40 other deal communities, cashback platforms, and coupon sites, throughout their purchase journeys. We enable advertisers to engage with high-intent audiences when and where it matters the most.
Blue Light Card is the UK’s number one discount service for emergency services, NHS, social care workers and armed forces.
With more than three million members across the UK, Blue Light Card works with over 16,500 partners including the likes of Spotify, Toby Carvery, Hotels.com, Cineworld, Sky, EE and Halfords, providing savings, discounts and benefits that often aren’t available to the general public. In 2022 alone, Blue Light Card holders saved over £250 million on everything from holidays and days out to groceries and utilities.
Membership to Blue Light Card for access to all online deals and discounts is quick and easy by registering online at www.bluelightcard.co.uk. A card costs £4.99 and is valid for two years.
There for those that are there for all of us.
Partnerize is the only partnership management solution powering growth for marketers seeking high-quality, scalable subsidies to primary channels through end-to-end software & comprehensive service. Partnerize joined forces with Pepperjam and Brandverity to establish the leading global solutions provider for affiliate marketing and partner automation including brand monitoring and compliance. Partnerize serves 1,800 enterprise and mid-market clients worldwide, driving more than $10B in transactions via their relationships with an ecosystem of 750,000+ partners, including 250,000+ influencers. Partnerize services clients across industries including retail/e-commerce, D2C, travel, finance, telecom, subscriptions and gaming.
The #1 CSS partner for peak performance.
Redbrain is a UK-based CSS partner dedicated to helping online retailers unlock incremental sales by getting their products in front of high-intent shoppers. Founded in 2016 and now recognised as Europe’s #1 Comparison Shopping Service (CSS) partner by volume, we combine advanced AI-driven technology with hands-on expertise to drive billions in additional sales on a CPA basis. We work as an extension of our partners teams, enhancing product visibility across Google Shopping, Microsoft Ads and leading price comparison sites. At Redbrain, we’re focused on transparent, measurable growth that complements existing marketing strategies and maximises ROAS.