FinTech entrepreneur, founder of Zero the sustainable alternative to banking using the power of money to address climate change, ActiveQuote the UK’s leading comparison site & broker of health & protection insurance acquired by Howden Group in 2024, Wealthify the Investing App acquired by Aviva in 2020 and FinTech Wales the trade association for the FinTech & Financial Services industry in Wales. Richard’s background is in computer software with a PhD from Cardiff University.