In this episode of The Unicorn Podcast, Simon Squibb sits down with Rishi Khosla as they dive deep into the highs and lows of building a bank worth $5 BILLION, as well as what it takes to disrupt an industry that is stuck in its traditional ways.Rishi Khosla is the CEO and co-founder of OakNorth. He started his first business, Copal Partners, a financial research company, in 2002 with just $60k. Over 12 years, he and his co-founder, Joel Perlman, scaled it to a 3,000-employee organization across 13 markets, before selling it to Moody’s Corporation (NYSE: MCO) in 2014.They then set out to build their second business, OakNorth, a financial technology company with a mission to empower the ‘Missing Middle’ - businesses that are the largest contributors of economic and employment growth, yet still struggle to access fast, flexible debt finance. OakNorth is addressing this funding gap with its Credit Intelligence software which it licenses to commercial lenders such as Fifth Third, PNC, and Old National, and that it uses within its own bank in the UK, OakNorth Bank.Rishi Khosla is an early-stage investor in a number of leading technology companies, including PayPal. In 2019, he was awarded an OBE (Order of the British Empire) from her Majesty The Queen for services to business.Rishi: https://uk.linkedin.com/in/rishikhosla1Oaknorth: https://oaknorth.co.uk/investors/our-cofounder-rishi-khosla/Get business help for free, and get rewarded for helping at HelpBnk!https://helpbnk.com

Rob Schimek, CEO of Bolttech, discusses his journey leading the innovative insurtech company to a staggering $1.6B valuation. He reveals how prioritizing purpose over profit can reshape industries. Insights about fostering an empowering company culture, the importance of strategic delegation, and embracing team changes for innovation are shared. Rob also emphasizes the value of experiences and emotional intelligence in achieving lasting success, highlighting growth through personal learning and meaningful connections.

Meet The Man Who Changed The Hotel Industry Forever Girish Jhunihnuwala is the Founder and CEO of Ovolo Group. He is famous for disrupting the hotel industry across Asia and Australia.

In this episode, we delve into the mind of Philip Belamant, the visionary Co-Founder and CEO of Zilch, a groundbreaking fintech company revolutionizing the way we think about and interact with finance.Zilch has become the fastest European company EVER to reach double unicorn status, and in this episode, Simon and Philip go deep into the core values and mission that enabled Zilch to reach this huge level of success so quickly.We also explore the origins of Zilch, the personal experiences that inspired Philip to create this unique platform, and how it's transforming the landscape of digital finance.Zilch: http://bit.ly/3KeMwhrPhilip: https://www.linkedin.com/in/philip-belamant/For more help start here: http://go.simonsquibb.com/

James Watt, the co-founder of BrewDog, shares the story behind his rapidly growing craft beer company. He discusses the challenges faced by global brands in sustainability and leadership. Watt reveals his unique marketing strategies and commitment to social responsibility, highlighting BrewDog's plans to use beer for good. He also addresses public perceptions and the complexities of investing in innovation, all while navigating media misrepresentation. James candidly talks about personal growth through autism and ADHD, showcasing authenticity in entrepreneurship.

Tessa Wijaya is the Chief Operating Officer and Co-founder of Xendit. She graduated from The University of Sydney, has vast experience in the field of private equity from large companies such as Principia and Mizuho and grew up in Indonesia. Tessa describes herself as “a unicorn among unicorns among unicorns.” There are a lot of people in her family who are entrepreneurs who ran small canteens and hawker stalls. Tessa started a few side businesses before Xendit. she started a restaurant, which failed, and a batik brand with one of her closest friends, but they discontinued it to focus on their full-time jobs. she started a jewellery business as well with some friends, whom she is a silent partner right now. As an Indonesian woman running a $1 billion financial technology start-up in Southeast Asia, she is a rather rare breed. Women leaders in tech are uncommon. This is especially true in fintech, where they hold 7% of leadership positions.Xendit is an Indonesian fintech platform that processes digital payments for businesses in Southeast Asia, like Grab, Wise and Traveloka. Xendit was founded by Moses Lo, Tessa Wijaya, Juan Gonzalez and Bo Chen. Since launching in 2015, Xendit has grown rapidly. in 2021, it processes more than 65 million transactions worth $6.5 billion annually. It reached the $1 billion “unicorn” status in September 2021.Xendit currently has more than 3,000 customers. Xendit said its annualized transactions tripled from 65 million to 200 million over the last year. The total value of the transactions also jumped from $6.5 billion to $15 billion. Some of its clients are Traveloka, Transferwise, and Grab.As a woman who strives in the technology field, Tessa Wijaya is very aware of gender issues in Indonesia. She asserted that Indonesia needs more platforms where women could take a part in the technology field and also could inspire other women. Tessa:https://www.linkedin.com/in/tessa-w-41043020/Xendit:https://www.xendit.co/en/For more help start here: https://purposefulproject.com/

In this lively discussion, John Caudwell, founder of the Caudwell Group and a devoted philanthropist, shares his incredible journey from building a telecom giant to pursuing a life of purpose. He candidly explores the emotional complexities of selling a business and the balance between luck and resilience in entrepreneurship. John emphasizes the importance of supporting families in crisis, tackling the urgent water crisis, and raising awareness about the health risks of sugar. His commitment to donate 70% of his wealth to charity underscores his belief in living a meaningful life.

Yat Siu is an entrepreneur and angel investor. Born and raised in Vienna, Austria, he moved to Hong Kong in 1996 to set up Hong Kong Cybercity, the first free web page and email provider in Asia. Before Hong Kong, he landed his first job at Atari in Germany, and later at graphic software company Lexicor, where he served as director and head of the U.S. East Coast division. In the late ‘90s, he set up Outblaze, which was sold to IBM in 2009 and incorporated into IBM's LotusLive suite of services.In 2011, he founded Hong Kong-based Animoca, one of the world’s largest apps for developers and publishers. The company is behind hit apps such as Pretty Pet Salon (one of Apple's top apps of 2011) and Cinderella Cafe. Receiving early funding from venture capital firms Intel Capital and IDG-Accel, Animoca went on to develop and publish hundreds of apps across both Android and iOS platforms.In 2014, Siu founded Animoca Brands, a company created through the spinoff of the licensing and publishing arms of Animoca, that uses technology like blockchain and artificial intelligence to develop and publish mobile products like The Sandbox, and it’s the official distributor of CryptoKitties in China.During his fruitful career, Yat Siu was named “Global Leader of Tomorrow” and a “Young Global Leader” by the World Economic Forum and received various other awards for his contributions to business and society. In this episode, Yat tells Simon exaclty how Web 3.0 can save the world if navigated in the right way, as well as giving his advice to young people looking to start a business in the modern world of crypto, Web 3.0 and the metaverse.Topics0:00 - Intro2:16 - Who is Yat Siu and what are Animoca brands?4:00 - What is a digital dictatorship?10:40 - Is there an alternative to big platforms like Facebook?14:20 - Will we see the fall of the big platforms?19:40 - What should young people build today?23:51 - What do you look for when investing in companies?31:00 - What is the future of crypto?39:22 - How Yat raised 75 million in the bear market41:05 - NFTs and the truth about crypto49:44 - ‘F*ck the metaverse’?55:50 - Purpose01:02:22 - Yat’s net worth01:10:00 - The education system is broken, how we fix itAnimoca Brands: https://www.animocabrands.com/StartmeupHK: https://www.startmeup.hk/startmeuphk-festival-2022/HKBN / HKBN Enterprise Solutions:www.hkbn.net / www.hkbnes.net

Steven Lam is the co-founder, executive director & co-CEO of GOGOX Holdings Limited, the first app-based logistics platform in Asia committed to providing extensive logistics services through innovative technology. Steven built the company with the vision of “Simplify Logistics”, aiming to resolve logistics inefficiencies and enable users to enjoy seamless logistics services.Over the years, GOGOX has evolved from a van-hailing platform to a diversified logistics platform that supports instant delivery to customised logistics solutions. GOGOX instantly connects individuals and businesses with millions of logistics partners to fulfil all sorts of delivery needs, redefining the delivery experience by providing speedy, agile and convenient logistics services that are unmatched. Steven’s wealth of experience in entrepreneurship has brought him accolades in different categories, including Forbes’ 30 Under 30 Asia in 2016, Hong Kong’s Ten Outstanding Young Persons Selection in 2018, and 50 Asians to watch of The Straits Times in 2018. In this episode, Steven and Simon go deep on how to start a business with little money, how to find the right investors and much more.Topics0:00 - Intro1:59 - How GOGOX was born3:07 - How did you start with so little capital?14:16 - Supply first18:17 - Founder structure25:04 - Getting investment35:30 - Steven’s family opinions38:09 - Have you ever thought about quitting?41:18 - Company Culture45:04 - Do you have any regrets?48:27 - Advice for young peopleGOGOX:https://www.gogox.com/index/StartmeupHK: https://www.startmeup.hk/startmeuphk-festival-2022/HKBN / HKBN Enterprise Solutions:www.hkbn.net / www.hkbnes.net

Max Li is Co-founder and Head of Design of Airwallex , where he provides the creative vision for the business, and is responsible for developing and managing Airwallex’s product design initiatives. Leading a global team, Max drives the implementation for designing functional and human-centric products that enable quality user experience in every market where Airwallex operates.Previously,  Max was a professional architectural designer with extensive experience in architecture, product design and user experience. Max also ran a coffee business prior to founding Airwallex, making his entrepreneurial experience so far both diverse and unique.In this episode, Simon and Max discuss his biggest lessons in building a unicorn company, how self-belief plays a huge part in success, and the future of business + technology. 5 books that Max recommends:For an excellent cover all guidebook to building products: Build, by Tony FadellFor emotional baseline: The subtle art of not giving a fuck, by Mark MansonFor perspective: 21 lessons for the 21st Century by Yuval HarariBooks with behind-the-scene, detailed processes for different industries are always good reads, recently: Secret Life Of Groceries, by Benjamin LorrIf language (especially writing) is not your forte: On Writing Well, by William ZinsserTopics0:00 - Intro1:25 - How Airwallex was born6:33 - Raising money7:46 - Transitioning from a cafe to Airwallex8:40 - Staying focused12:41 - Max’s Family Background14:23 - Working with co-founders18:10 - Changing roles19:40 - Self belief21:00 - Biggest lessons on reflection23:10 - Imposter syndrome25:05 - What motivates you26:51 - The future30:51 - Regulation challenges32:35 - Max’s thoughts on the Metaverse35:03 - Approaching competition37:24 - Luck39:36 - Startup culture44:52 - Advice for your younger self47:20 - Do you have any regrets50:31 - OutroMax Li: https://www.airwallex.com/ukStartmeupHK: https://www.startmeup.hk/startmeuphk-festival-2022/HKBN / HKBN Enterprise Solutions:www.hkbn.net / www.hkbnes.net