About
Fluid Tech.
An AI consultancy that takes organisations from idea to working product, with a focus on financial services. Co-founded by Ashfia Tough in May 2024.
The team
Senior leadership from banking, finance, and insurance, paired with hands-on AI engineering.
Ashfia Tough
Founder & CEO
Co-founded Fluid Tech to take organisations from idea to working product in financial services. Over 20 years in Tier 1 banking, finance, and insurance; formerly led Professional Services at R3. Hands-on technologist, commercial operator, and keynote speaker.
Nivita Dani
Director of AI Strategy & Delivery
Helps insurance and regulated organisations turn AI strategy into compliant, measurable value. Over 18 years in insurance, including Head of Data Services at the Motor Insurers' Bureau (MIB). Leads agentic AI delivery from pilot to production.
Matt Layton
AI Software Engineering Lead
Builds the production systems behind Fluid Tech's agents and copilots. Focuses on getting AI working reliably in real applications, not demos.
Advisors
Adam Furgal
Advisor
Over 20 years delivering large-scale transformation programmes across banking, consulting, and software development. Advises Fluid Tech on engineering and delivery.
Our principles
Lead with honesty
Realistic about what will work and what will not, before you spend money. If AI is not the answer, we say so.
People first
We embed and immerse in your teams. AI is built with the people who will run it, not done to them.
Commercial focus
Every engagement is tied to a commercial outcome: costs saved, revenue found, manual work removed.
Connect with
our team.
Over two years of enterprise AI delivery. Let's discuss how we can accelerate your AI development.