Phil Blows - CEO - Accru Finance Louis Quaintance - CTO - Accru Finance Phil has spent the last 15 years building and scaling Fintechs. Initially working as a trader and investment manager, he went on to lead teams tasked with scaling retail platforms to mass market adoption in both the B2B and B2C space. As part of this effort, he interviewed over 10,000 people about their finances and where they were struggling and used this knowledge to develop tools aimed at improving the financial health of the UK. Phi