Welcome to the Tearsheet Podcast. I’m Zack Miller. Ricky Knox is my guest today on the show . A five time entrepreneur and the founder of international money transfer firm Azimo, Ricky continues to compete in fintech. His latest venture, Tandem, is a strong competitor in the UK challenger banking market. There aren’t many entrepreneurs who keep coming back to fintech and Ricky describes why he thinks financial services is so ripe for disruption. Tandem’s approach to helping its customers make financial decisions uses AI and we talk about technology’s role in managing money. We discuss how he’s handling growth and scaling and how he’s positioning Tandem — with products and services -- to compete in the future. Ricky Knox is my guest today on the Tearsheet Podcast.