“It’s an opportunity to expand into chat-based services, and a key change in our UI.

When it comes to financial advice, a conversational interface is very natural – it’s always been associated with a person.

It’s an app-based digital wealth management platform, which expanded into the UK from Italy last year.

Dapra, the firm’s chief executive, is on a mission.

You have to sit down and do maths, and no one wants to do that either.

You have to save, which mathematically means no spending today for something you can’t envision.

If you could, your choice was determined by long meetings, reams of paper, and above all, trust.This could change next year when the EU’s second Payments Services Directive comes into force.Among a raft of changes to make banking more open in the digital age, it forces incumbents to open up their financial data to smaller firms through APIs – something Dapra says will help Moneyfarm to offer better advice. Specializing in financial advice for small business owners, Meredith is a current and past contributor to Yahoo!, Amex OPEN Forum, Fox Business, SCORE, All Business and more.