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  "markdown": "Co-founder and CTO.\n\nAntonio Marino is co-founder and CTO of Emma, a UK money management app that connects a user's bank accounts to track spending, budgets and savings. He met Edoardo Moreni while studying at the University of Manchester and built the backend of Emma's first version.\n\n- X: https://x.com/AntonioMarino0\n\n## What Antonio builds\n\n- [Emma](https://www.anchorterminal.com/tools/emma.md), graded F, 17.7/100, in Subscriptions, bills \u0026 personal finance. Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores. Co-founder and CTO, researched 2026-10-27.\n\n## Works with\n\n- [Edoardo Moreni](https://www.anchorterminal.com/people/edoardo-moreni/), Co-founder and CEO\n\n## Backed by\n\n- [Kima Ventures](https://www.anchorterminal.com/investors/kima-ventures/)\n- [Aglaé Ventures](https://www.anchorterminal.com/investors/aglae-ventures/)\n- [Connect Ventures](https://www.anchorterminal.com/investors/connect-ventures/)\n\n## Questions\n\n### Who is Antonio Marino?\n\nAntonio Marino is co-founder and CTO of Emma, a UK money management app that connects a user's bank accounts to track spending, budgets and savings. He met Edoardo Moreni while studying at the University of Manchester and built the backend of Emma's first version.\n\n### What does Emma Technologies Ltd make?\n\nAnchor Terminal lists Emma from Emma Technologies Ltd. Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores.\n\n### Who has invested in Emma Technologies Ltd?\n\nThe sources our research read name Kima Ventures, Aglaé Ventures and Connect Ventures.\n\n### How are Antonio's tools graded?\n\nEmma is graded F, 17.7 out of 100, on Anchor Terminal's benchmark, which scores every listing against the same checklist.\n\n## Sources\n\n- https://emma-app.com/blog/emma-called-emma\n- https://x.com/edoardomoreni\n- https://x.com/AntonioMarino0\n- https://emma-app.com/about-us\n- https://x.com/emma_finance\n- https://uk.linkedin.com/company/emma-technologies-ltd\n- https://emma-app.com/contact-us\n- https://emma-app.com/\n\nThese are the people building the tools we list, named for their public role in the company or project behind a listing, from public pages, with the date it was researched. They don't work for Anchor Terminal (our own team is on the about page, /about/#author). We show public roles, public profiles and what the listing pages show, nothing private. To correct something, send an about or a photo, or have a page removed, write to privacy@anchorterminal.com.\n",
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