Chris was delighted to give the keynote speech on financial inclusion at a major Fintech conference that kicked off Fintech week in London in April. As a member of the House of Lords Select Committee on Financial Exclusion, the full findings and report of which were published just two weeks earlier, Chris was pleased to have the opportunity to pull together themes from this work and his work in fintech. Chris highlighted the terrible cost and persistent nature of financial exclusion by asking why those who have the least, pay the most. He pointed out that in the UK there are currently 1.7 million people without a bank account and 40% of people without £100 in savings. Recommendations from the Lords report include introducing financial literacy at school, expanding the remit of the Financial Conduct Authority to include financial inclusion and creating a Cabinet Minister with direct responsibility for financial inclusion. Chris also celebrated the possibility of technology to offer solutions to some of our trickiest problems, not least the issue of financial inclusion. Chris reminded the audience that technology in-and-of-itself is neutral and the key is to ask always how will the enable, empower and include? On the same stage that morning Tim Berners-Lee had spoken about the need to think about the effect on society in a highly connected, networked world and Chris followed on from this by touching on the need for greater understanding and ownership around resources, identity and data stating that it’s your data, your choices and your permissions. His emphasis on the potential and possibility of technology to solve problems was again clear when he finished by asking everyone to imagine the power of fintech in its totality.