Join us for December's event online at Disruptive.Live to discover the stories behind the disruptive start-ups movement as we present the companies and individuals who have decided to Rip It Up, Start Again

Led by Lulu Laidlaw-Smith these dynamic innovators will take our guests through their experiences in the world of disruption, sharing the stories and insights they have gained.


Gibran Registe-Charles

Founder: Cap:Ratio

Gibran Registe-Charles is a ex-investment banker who held previous positions at Rothchilds and Morgan Stanley. He recently finished a commission at the European Parliament in the Economic and Monetary affairs committee. Gibran has now built a wealth-tech startup Cap:Ratio tackling financial exclusion in the BMEA and underserved working poor community, trying to help lower incomes gain a foothold in saving and investing.


Nadia Sood

Founder: CreditEnable

CreditEnable is a global credit insights and technology solutions company. Our mission is to enable SME lenders and borrowers to effortlessly find their perfect match. Our lender solutions enable profitable growth by substantially reducing the time involved with underwriting SME loans, provide efficient access to quality borrowers and improve the quality of SME loan books. Our borrower solutions help SMEs better understand lenders’ credit requirements, get prepared for debt and secure the capital they need at an affordable rate.


Timo Hyväoja

UK MD: Futurice

Twice awarded European workplace of the year, Futurice is a rapidly growing engineering and innovation consultancy. Timo is the managing director for Futurice in London, and responsible for developing the team and driving growth in the UK. He leads a multidisciplinary team of developers, designers and business consultants delivering work for clients including Ford, Moneycorp and Plan International. Over the last 13 years at Futurice Timo has worked with 100s of clients, developing a deep understanding of what it takes to implement business strategy when it comes up against real world opportunities and obstacles. He has been part of the core team building Futurice from a 20 person Finnish startup to a global consultancy of over 500 people – doing this has meant creating and nurturing a unique company culture that thrives on transparency and trust.

Rip It Up, Start Again is live streamed from Disruptive.Live

To submit questions to our speakers tweet to @RipItUpTheEvent