1. Tell us a bit about yourself and your focus area(s) within FinTech?
Partner at Balderton Capital, the leading early stage VC focussed on European startups.  We are highly active in fintech and this is my focus area.Specifically I look a lot at insurance and retail financial services, but also increasingly at financial software.

2. What are your key takeaways from the last 3 years in the European FinTech space?
A well built product and a distribution hack (whether b2c or b2b) is what gets you to a 200m company.
Genuine competitive advantage (usually through proprietary data, partnerships or real hard tech) gets you to 1b plus

3. What trends or opportunities should we watch out for in the next 6-18 months?
Insurance insurance insurance
And distributed ledger / distributed automation​