We decided it was best that I hire a new CEO to take it forward.

Creating a new bank was just pretty bonkers. Nobody thought that was going to happen and nobody thought you could disrupt the big banks.

They just said that's, most people said that never going to happen.

I mean, I'm a big supportive entrepreneurs, but I think businesses sometimes deserve to die.

If your sales, not $10,000 or more, there is no way you can afford a human meeting.

No way in hell, not even one human meeting.

My guest today is a big name in the fintech space. Ricky Knox, who's best known for co-founding

and being the CEO of Tandem Bank. On the show today, Ricky tells me why he is no longer the CEO of

the company he set up in 2014. Ricky tells me what it's like launching a Challenger Bank

and the difficulties raising money and securing a banking license.

We also talk about life after tandem bank and the new fintech he's invested in, and he shares his vision on the future of investment opportunities.

I'm your host Mark McDonough and this is the UKTN podcast.

Our sponsors of the show, Uncapped, believe it's crazy that for e-commerce businesses to fund growth

through marketing infantry or hiring they have to sell equity to vCs especially when they know

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That's UKTN10.

Now let's get into the show.

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