Welcome to Jimmy's Jobs. Founding a startup is stressful, difficult and often painful

at times. One of the most important skills we've found as many previous guests have said

is resilience. So after going through it all works, you would understand if someone

never wanted to go through it all again. Today's guest is Nigel Verdon, who has started

not one, not two, but three successful businesses. His current venture is Razer, formerly known

as RazBank, and is pioneering something called embedded finance. Best described is the financial

layer of the internet. We'll talk in this episode about why you need to hide different

types of people at different times, the difference between builders and operators, and why

FinTech made this appear. This show is made possible by the fantastic support of our various

partners, and I wanted to thank the octopus group. The octopus group is a collection of eight

entrepreneurial-minded businesses across financial services and energy. All founded on the

one simple belief that people and the planet deserve better. They are intent on building

a better tomorrow for future generations and are a certified beaker. Demonstrating

make hair as much about the impact of their investments as the returns they generate.

I am proud that octopus have backed this show since the second series, and they are the

reason why we are now able to put such a professional show together. To hear more about what they

do, it is worth checking out previous episodes with the founder's Chris Hewlett, Simon Rodgerson,

or the CEO of their investment arm, Ruth Hancock. If you want to see how you can partner

with us, go to our website at www.jobsofthefuture.co, and now onto today's episode.

Nigel, welcome to Jimmy's Jobs of the Future. Thank you for the invitation. It's wonderful

to be on the show. One of the first questions we ask is what's in a name, and your story

about Rails Bank is really interesting, because you changed names to Rails R, and I just

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