Hello Soda’s analytics software can verify someone’s identity within five seconds through unstructured data such as Facebook, Twitter, LinkedIn and Google.

Used to combat fraud, assess risk and connect brands and their customers on a more personal level, it is also helping people with little credit history to access financial services.

With a customer base spread around the world, it already has an office in the United States and plans to become a £100m business.

See more of our 101 tech start-up disrupters here.

And check out our 101 rising stars of tech - the exciting firms which did not make the main list but have the potential to grow.