Freddy Kelly is the founder and CEO of Credit Kudos, a challenger credit bureau that uses financial behaviour to measure creditworthiness, harnessing Open Banking. Freddy started his career in Silicon Valley, as the first engineer at Bitnami (YC W13) and later A16z-backed TXN, developing their transaction analytics platform. With extensive experience in developing high security performant web applications for the likes of Google, Microsoft and Amazon, Freddy has an intimate understanding of what is required to develop software at scale, safely and securely processing sensitive customer information.