Our sector expertise

We are passionate technologists and software engineers with nearly two decades of working at the front line of retail, finance & healthcare.


Answer Digital Retail work with retail groups and delivered wholesalers, to simplify the journey from wholesaler to retailer and finally to the shopper.

Our sector expertise and experience means we are more than an ecommerce / product agency, delivering brilliantly designed digital solutions that sit at the core of the convenience, wholesale and retail business model.

"Answer have been a key and integral part of a 3-year programme to develop our market-leading grocery retail platform bringing seasoned experts, best practice agile processes and a real focus upon the business outcome."

Dave Morris, Director of IT, Costcutter Supermarkets Group Ltd

  • Connecting the retail group to its retailers through developing bespoke Retail Management & EPOS Integrated Order Capture platforms.

  • Answer Digital is delivering upto a £12m sales increase for Ramsden International. Unlocking organisational growth through technology and process innovation by developing a bespoke order capture platform with user experience at the heart.



    Delivering Agile and Technical Consulting practices at the heart of a major CenterParcs.com refresh.



    Using our development and agile expertise to help deliver supplier compliance and quality assurance, from the palm of the hand.



    Delivering a tactical solution to improve the usability and functionality of essential in-store processes via hand-held devices.



    Morrisons: Delivering a knowledge transfer programme using our proprietary process, Mindswap TM. Key to improving management of offshore delivery teams.

  • Richard Ellis  Head of Retail

    Richard Ellis
    Head of Retail

    An experienced retail consultant with a proven track record of delivering tangible value added results to international wholesalers, independent grocery chains and high street retailers. Richard has led the delivery of transformational projects to leading enterprises including Costcutter Supermarkets Group, Arcadia and Ramsden International. Richard is passionate about the transformational potential of technology in the retail sector.

  • John Lister 
Retail Principal

    John Lister
    Retail Principal

    John is a Senior Consultant and has been with Answer Digital for over 2 years having spent many years building bespoke software solutions. He is currently working in the retail sector as technical lead across a number of projects.

Our latest Retail insights

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  • Retail
    • Retail
    Transitioning from Scrum to Kanban Making the Agile jump from Scrum to Kanban Having been personally involved in large scale

    • Retail
    Digital Strategies the Amazon Prime Way In a recent blog I commented on why it’s so important retailers take note

    • Retail
    Track, Monitor and Forecast Agile Methodology I’ve written previously of experiences of working in a complex, distributed agile environment. It

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Finance & Payments

Answer Digital Finance exists to deliver disruptive, simple and engaging digital solutions for clients within Wealth, Insurance, Payments, Personal Finance and FinTech, where we utilise years of industry, technical and UCD expertise to work collaboratively in helping customers solve wicked financial problems.

"Answer has a team of knowledgeable and experienced professionals that share our principles of focusing on our client’s long term business success. Their adaptable and collaborative team underpin our ability to provide excellent client service."

Nick Baggott, Head of Operations, Bravura Solutions Ltd

  • Answer have supported Bravura for the past 7 years in providing expert resource to enable them to deliver, customise and integrate Sonata within the corporate infrastructure of their clients.



    Defining the User Experience for a D2C proposition through research, design and validation.



    From good to great via a relatively low cost digital transformation, which has transformed how CVL operate.



    Online Investments - Using technology to increase investment opportunities.

  • Nigel Garner
Head of Digital Finance

    Nigel Garner
    Head of Digital Finance

    Responsible for the Finance Sector clients at Answer Digital, Nigel leads projects delivering measurable outcomes for commercial success across a broad range of customers in Wealth Management, Life and Pensions, Insurance and B2B Leasing.

  • Imran Ali
Head of Digital Payments

    Imran Ali
    Head of Digital Payments

    A talented Banking and Payments consultant, Imran draws on his experience from HSBC, Citibank, Bank of America, Vocalink and other world leading organisations to advise on the changing payments landscape and digital strategy.
    Imran’s expertise spans PSD2, Open Banking, Real Time Payments, New Payments Architecture, and the evolution of Challenger Banks. He sits on the Open Banking Fintech Stakeholder Working Group.

Our latest Finance insights

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  • Finance
    • Finance
    Guide to Open Banking for Retailers Open Banking comes to life in January 2018, and the focus so far has

    • Finance
    The Benefits of Request to Pay (RtP) Request to Pay (RtP) is a new proposition designed to give consumers and

    • Finance
    Re-platforming: it's not rocket science Re-platforming, and particularly the cost of re-platforming, is a hot topic and rightly so. As

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Answer Digital Health work in partnership with healthcare providers and national bodies to improve patient care. Experienced end-to-end squads combine front line experience in health organisations with enterprise-scale digital expertise to deliver outcomes that improve patient care and system efficiency.

“The arrival of this new technology and the real-time information we can now access, has completely transformed the way we work. The arrival of this new technology and the real-time information we can now access, has completely transformed the way we work."

Jo Dickson, Leeds Teaching Hospital’s Lead Nurse for Informatics and CNIO



    Working closely with NHS Digital on the GP Connect programme, where we’re designing and contributing to many aspects of the service design.

  • Electronic Patient Record and integrated clinical information systems, delivering a single view of patient information across the Trust.



    Clinical systems strategy and Electronic Patient Record development. Our integration and bespoke development expertise is helping to deliver accelerated digital maturity.

  • Spine Mini Services and Child Protection Information Provider.



    Clinical systems integration. Enabling Civica to increase the capabilities of it's Paris EPR through our healthcare integration expertise.

  • Richard Pugmire
Head of Health

    Richard Pugmire
    Head of Health

    Head of Health for Answer, Rich is creating and leading teams to help Healthcare organisations improve their Digital Maturity.
    Rich is currently supporting NHS Digital and Manchester University NHS Foundation Trust, tackling a wide range of challenging digital projects and programmes.

  • Emma Huntridge
Senior Health Specialist

    Emma Huntridge
    Senior Health Specialist

    Emma is a Senior Consultant who has recently joined Answer Digital's health sector having worked within the NHS at local trust and national level for almost 14 years. Her skills lie in Programme and Operational Management.

Our latest Health insights

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  • Health
    • Health
    David Bowie was right “The absolute transformation of everything that we ever thought about music will take place within 10

    • Health
    Open Source: Cathedrals, bazaars or dinner tables? The challenges involved in managing the development processes involved in Open Source projects

    • Health
    But I just need the salt?! I recently came across this xkcd comic and absolutely loved it. It made me

Excellence embedded within our sectors

  • Richard Walker
Test Principal

    Richard Walker
    Test Principal

    Agile Practitioner with over 25 years of leading and delivering systems in a variety of sectors. Passionate about testing, Richard leads 'Answer Digital Test', a rapidly expanding group of Test Engineers who ensure that agile testing processes are driving, defining and ensuring quality across all our projects.

  • Andy WilbyCX & UX Principal

    Andy Wilby
    CX & UX Principal

    Andy has been working with Answer for 2 years where he heads-up our CX & UX design team to ensure we're delivering great experiences and outcomes for the relevant end customer.

    He brings a wealth of experience, shaped over 12 years, working with companies like HSBC, Aviva, NHS, BUPA, Government agencies, within agile delivery methodologies.