The clue’s in the name. Moola provides easy-to-understand financial advice to more than 5.5m Brits.

It was founded by FinTech entrepreneur and consumer champion Gemma Godfrey, who was advisor to Arnold Schwarzenegger on The New Celebrity Apprentice.

Her company’s focus is on being simple without the usual jargon that surrounds investment and savings services.

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.