In this conversation, Michelle talks about how her eight-year-old son managed to ground her after what she called a crap day, and in doing so, articulated what financial services is actually for better than most boardrooms ever manage. She walks us through how she got into her career - economics degree, bars and clubs in London, a break that came through a personal recommendation rather than any recruitment agent - and then into the real substance of what good digital banking actually looks like today.