Greg Hawkins is an independent consultant on tech, fintech, cloud and devops and advisor to banks in the UK and Australia. He was CTO of mobile challenger Starling Bank from 2016-2018, during which the fintech start-up acquired a banking licence and went from zero to smashing through the 100K download mark on both mobile platforms. He remains a senior advisor to Starling Bank today. Starling built full-stack banking systems from scratch, became the first publicly available cloud-based current account in the UK and the first UK bank with PSD2-capable open APIs and was voted Best British Bank and Best British Current Account in 2018.