At a glance
James spent 18 years building consumer platforms across retail, fintech, q-commerce, and transformation environments. Unlocked applies that commercial and product experience to the settlement layer.
Founder
James Dickson
Product leader turned co-founder. From retail and fintech operating roles to settlement infrastructure.
Co-founder, Unlocked.
18 years building consumer platforms. Now building Unlocked.
Before founding Unlocked, James held senior product and operating roles across large retail, fintech, q-commerce, and transformation environments. At Landmark Group he led product, engineering, digital, loyalty, retail media, fintech, and customer functions across a broad omnichannel estate. Earlier, he led q-commerce and omnichannel strategy at Sainsbury's, directed major transformation work at Metcash, and spent his early career in turnaround and deals advisory.
Unlocked is the product those experiences pointed towards. Every platform James built exposed the same gap: payments settle quickly, but the commercial obligations behind them, including royalties, rent, commissions, and supplier payments, still move on invoices, spreadsheets, and calendar reminders. Unlocked closes that gap. Rules attached to money. One sale settles every partner automatically.