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Running a fintech is apparently just as challenging as playing professional rugby. Al Lukies should know – he’s done both, though he only broke half the bones in his leg with the latter. His first attempt – Monitise – hit a market value of some £2 billion at one point. After a stint as the UK Prime Minister’s “fintech ambassador”, he went on to found Pollinate, which helps big banks provide digital tools, such as merchant services, to small businesses. And it’s a good time to speak with Al: Pollinate has just raised $50m from the likes of Natwest, NAB, Mastercard and Insight Ventures. Enjoy.