James da Costa is the co-founder and COO of digital bank, Fingo. He is a researcher at Stanford University's Digital Economy Lab and a guest lecturer at the University of Warwick. He is an expert and leading voice in the Fintech space and has been recognized as a Forbes 30 Under 30 and an MIT Innovator Under 35. He is a Diana Award recipient and is a Bill & Melinda Gates Foundation Goalkeeper. He is based in San Francisco, USA.