David Penn has 20 years of experience as a writer, blogger, and journalist covering the financial markets, small business, and technology. One half of the research team at Finovate.com, he authors Finovate Global, a weekly look at fintech in developing markets around the world.

Anne Boden is the founder and CEO of Starling Bank, a leading UK digital bank which has opened three million customer accounts. She founded Starling in 2014 after a global career in financial services and with the aim of giving people a fairer, smarter and more human alternative to the banks of the past. Starling offers personal, small business, joint, teen, euro and dollar accounts alongside a child card and a range of lending products. It also provides B2B software, banking and payments services through its Software-as-a-Service and Banking-as-a-Service models based on the proprietary technology platform it uses to power its own bank. The Starling Marketplace offers customers in-app access to a selection of third party financial services. Headquartered in London, it has offices in Southampton, Cardiff and Dublin.

Anne is a computer scientist by training and Fintech industry thought-leader; her book, Banking on It: how I disrupted the industry, is a first-hand account on how she founded Starling.