The lockdowns caused by the Covid-19 pandemic encouraged a lot of individuals to start using financial apps more frequently with as many as 54 per cent of consumers using them every day, according to Open Up 2020 Challenge. Europeans have become 52 per cent more likely to use fintech apps and 36 per cent say they now feel more comfortable using banking and money management apps since lockdown and trust them more. In 2019, there were almost 3,600 fintech companies operating in the EMEA (Europe, the Middle East, and Africa) region. Since then, the number of fintech start-ups in that same area surged by 160 per cent to more than 9,300. The question is which app to pick as an individual investor to make sure you can make the most out of your money, and how to provide as much value as possible as a fintech start-up founder and a fintech app developer. Dime Galapchev, the founder and CEO of FinqUP, a portfolio management app that is scheduled for launch in September 2022, speaks with Andrew Wrobel about democratising and decentralising portfolio management. He also talks about running a start-up in a small country such as North Macedonia, where he comes from, about his successes and failures and gives tips and hints to new entrepreneurs working on providing new solutions.