In this episode of Open Banking Expo Unplugged, head of content Ellie Duncan talks to Freddy Kelly, chief executive of Credit Kudos, about how the firm is challenging the credit reference space, his growth plans for the business and what he looks for in a strategic partnership. Kelly also reveals some of the crucial lessons he's learned from starting up and growing a fintech business, and discusses access to credit for younger borrowers, following the findings of the latest Credit Kudos Borrowing Index.