Ricky Knox is the CEO and co-founder of Tandem - the UK’s leading digital challenger bank. A serial investor and entrepreneur, Ricky has founded Azimo, a social digital payment platform, and Small World Financial Services, a money transfer service. He is Managing Partner at private equity investment firm Hexagon Partners and previously worked at MMC Ventures. Ricky is a first class graduate of Bristol University and holds an MBA from INSEAD. App-operated bank Tandem was conceived after Ricky and his co-founder Matt Cooper recognised the need for a disruptive bank that helped customers solve real problems and manage their money smarter, rather than being a source of stress and financial woe. Having acquired Harrods Bank and money management app Pariti, as well as launching a cashback credit card and three savings products, Tandem is well on its way to solving real problems faced by real consumers.