Building a fintech is very difficult. Launching a fintech startup serving the travel business a few months before covid brought travel to a halt is crazy difficult. Raman Korneu, an MBA alumnus from Cambridge Judge Business School and his team, had to make tough decisions quickly if they were to save their start up. Raman talks about his entrepreneurial journey, and how myTU - an online digital banking platform - was born and how digital-first fintechs have a huge advantage over legacy providers.