CEO Ricky Knox and his Tandem co-founder Matt Cooper recognised the need for a disruptive bank that helped customers solve real problems and manage their money smarter.

Tandem, which acquired Harrods Bank in January 2018, has taken a different path to rivals such as Atom, Monzo, and Starling by launching a credit card and savings account before a current account. 

Click here to see more of 101 FinTech Disrupters.