When he got his first taste of startup life, in San Francisco, freshly-graduated Freddy Kelly did a few months at culinary school on the side. Little did he know that years later, his baking skills would help him blag his way into a conference by virtue of a chocolate cake he'd baked. He met...

In its early days, banks tried to block Bankin’. Some set up call centres, warning customers of the danger of using the personal finance app, and encouraging them not to use it. On one occasion, they even called Joan, not realising that he was the fintech's co-founder. Nowadays, with open...