Founder Profile
Nigel Morris
Last reviewed: October 2026 · By Swet Parvadiya
Who is Nigel Morris?
Nigel Morris is a founder of Capital One, which was founded in 1988 with Richard Fairbank.
- Company founded
- Capital One
- Founded
- 1988
- Co-founders
- Richard Fairbank
Background
British data scientist and business consultant.
Founding Story
Nigel Morris co-founded Capital One in 1994 alongside Richard Fairbank. Recognizing that the credit card industry was fundamentally a data business, Morris architected the highly advanced predictive algorithms that allowed Capital One to pioneer 'Information-Based Strategy' (IBS). This allowed the company to mass-customize interest rates and aggressively target underserved subprime borrowers with unprecedented accuracy. He served as President and COO until retiring in 2004 to found the fintech venture capital firm QED Investors.
Nigel Morris was born in 1958 in Billericay. Education: Lancaster Royal Grammar School; London Business School; University of East London.
Nigel William Morris was born in June 1958. He is managing partner of QED Investors and part of the ownership group of the Welsh football club Swansea City.