How SCI’s Tim Whitehill met Jarvey Moss to Pioneer a New Era for the Industry Through Saible
Introduction: Save Construction Initiative’s Mission
At the heart of the Save Construction Initiative (SCI) lies a dedication to improving the industry’s practices, wellbeing, and financial stability. The Initiative works tirelessly to foster innovation, collaboration, and fairness—values that underpin the journey of two visionaries, Dr Tim Whitehill and Jarvey Moss, whose partnership would lead to the creation of the DiPPA concept and the formation of Saible. This article explores their story, the birth of DiPPA, and the promising future now unfolding for the construction sector.
The Chance Encounter: UKREiiF
Sometimes, the most transformative ideas begin with a simple conversation in an unexpected place. On 16th May 2023, Tim Whitehill and Jarvey Moss met by chance on SCI’s stand at the UK Real Estate Investment & Infrastructure Forum (UKREiiF). Surrounded by industry leaders discussing the challenges and opportunities in construction, Tim and Jarvey’s paths met on a chat about Project Bank Accounts (PBA)—a topic both saw as pivotal to the sector’s future.
Tim, a passionate advocate for fair payment practices through the Save Construction Initiative, shared his frustrations about the slow adoption of PBAs in the sector. Jarvey, recently exited from a successful tech business, was seeking his next project, looking specifically for a challenge with meaningful social impact. Their dialogue quickly revealed a shared concern for the persistent payment issues in construction and the damaging consequences for mental health across the workforce.
Identifying the Problem: Jarvey’s Journey Into Construction Payment Issues
Before crossing paths with Tim, Jarvey’s inquisitive nature led him to delve into the complexities of payment culture within the construction sector. Through his exploration, he uncovered the shortcomings of the government’s Project Bank Account 2012 mandate, which had originally aimed to safeguard subcontractors and guarantee timely payments. Unfortunately, the initiative had not achieved its objectives, leaving the industry still vulnerable to delays in payment and ongoing financial instability. As Jarvey engaged with professionals across the industry, he became increasingly troubled by the prevalence of mental health challenges—stress, anxiety, and depression were alarmingly common, frequently linked to the persistent uncertainty surrounding payments.
Recognising the scale of the issue, Jarvey was convinced that innovative technology could offer a meaningful solution, a conviction that resonated with the principles championed by the Save Construction Initiative and Tim’s commitment to advocating for change.
Shared Vision: Tim and Jarvey’s Collaboration
What began as a chance meeting quickly developed into a dynamic partnership. Tim brought deep industry knowledge and a network of supporters from the Save Construction Initiative, while Jarvey contributed a fresh perspective and expertise in building scalable tech solutions. Together, they envisioned a new approach—one that would go beyond the traditional Project Bank Account model and go deeper into the root causes of payment delays.
Building Saible: Formation, Investment, and Product Launch
In September 2023, Tim and Jarvey formalised their collaboration by founding Saible Ltd. With seed investment secured from supporters who believed in their mission, they set out to turn their vision into reality. By January 2025, Saible proudly launched the world’s first Digital Parallel Payment Account (DiPPA). Designed to bring intelligent transparency, efficiency, reliability, and fairness to every transaction, the first DiPPA was used on a proof of concept project that completed in October 2025. The concept is already attracting interest from public and private sector construction clients, with pilot projects scheduled to begin in 2026 including two projects involving the Environment Agency and BAM Nuttall.
DiPPA Explained: A New Solution for Construction Payments
The DiPPA, is a forward-thinking Fintech-driven solution that revolutionises how funds are managed and distributed within construction projects. Rather than relying on the conventional processes where payments trickle down through the supply chain, DiPPA fully automates and digitalises every aspect of the Project Bank Account approach. This includes setting up of accounts, managing trust agreements, authorising and executing payments. With DiPPA, all project participants—including consultants, main contractors, subcontractors and suppliers—receive their payments simultaneously, in line with the agreed contractual arrangements. This separation of the flow of cash from the flow of payment authority ensures intelligent transparency, efficiency, and fairness throughout the payment process.
By removing manual payment practices and inefficiencies, DiPPA ensures that payments are made promptly and securely. This direct and simultaneous approach helps to eliminate delays, reduce the uncertainty that often plagues construction finance, and improves cash flow for all participants, from the largest firms to the smallest trades. The result is a more reliable and stress-free payment experience, which in turn we hope will support better business and social outcomes for the industry. By aligning financial processes with fair payment principles, DiPPA not only streamlines projects but also aims to build trust and confidence throughout the construction supply chain.
In summary, DiPPA is more than just a payment tool—it is a comprehensive, technology-driven solution that addresses longstanding issues in construction finance, aiming to create a fairer, more resilient sector for everyone involved.
Looking Ahead: Future Projects and Impact
With Saible’s DiPPA solution now live, the construction industry is poised for positive change. Upcoming pilot projects will provide valuable insights and pave the way for wider adoption. For the Save Construction Initiative, Tim Whitehill, and Jarvey Moss, this journey is a testament to what can be achieved through collaboration, vision, and a shared commitment to making construction a better place for all.
As the sector embraces new technology and renewed optimism, DiPPA stands as a beacon of progress—a solution born from chance, driven by purpose, and destined to redefine payment practices for generations to come.