The permanent revolution that is Fintech is driven by digital processing power devouring digitised data but it also takes entrepreneurs, capital and a supportive infrastructure to get it started and sustain it. Over the last 20 years Wales has become a living demonstration of the value of anchor financial services firms, research-led universities and local networking and collaboration opportunities – right down to the newly launched FinTech Foundry in Cardiff – that were described as the keys to a successful FinTech eco-system in the recently published Khalifa Report. Sarah Williams Gardener, a former IBM-er and one of the founders of Starling Bank who became CEO of FinTech Wales in November last year spoke to Dominic Hobson about the importance of listening to customers and using data to understand them.

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