This isn't just a story about Fintech however. We are constantly hearing about how we should try and replicate Silicon Valley in our European tech clusters. But we shouldn't. Are there lessons we can take from the Valley? Absolutely, but there are many more things we can do better.
It is no secret that this very moment is perhaps the most fortunate time to start a business in recent times, in Britain.
For most people, the word "startup" conjures a generic image of young people working long hours building some frothy, hyped-up social app and making a lot of money when it's inexplicably bought by a large company, but outside of Silicon Valley you get some very different startup cultures.
The European Union is still predicting 900,000 IT-related job vacancies across its member states by 2015... We should not think that coding is very difficult to learn: it's not... If tech is to continue to be a powerhouse sector then it requires the right skills, from both our generation and the next.
South-East England employs more people in tech than the whole of California, but the talent pipeline must be built if the UK is to seize the digital day.
As a mischievous teenager I was berated by my grandmother for showing too much chutzpah. I believe she was using the original meaning of the popular Yiddish phrase - insolence. She'd be amused to think that it's now a word we use to shower praise on someone with the confidence and desire to get things done by strength of will and inventive interpretation of the rules.
Today the only acceptable answer to this question among the 'cool' brigade is to be involved in a start-up, preferably your own. And you'd better be tech-savvy and based somewhere near Silicon Roundabout (for those not 'in the know', that would be in Shoreditch).
When I first met Silvana Gambini, who is in her fifties and worked as a careers adviser for 12 years, she had never considered using the internet to earn an income. Like many unemployed women, she used the web to look for work and stay in contact with friends and family through email and Facebook.
Cambridge Consultants took a high-performance road bike with an electronic gear changer and cut the wires between the controls and the gears, adding a CSR Bluetooth Smart Ready module to connect the gears to buttons on the handle bars. The important thing here is that the wireless connection enables you to bring in the intelligence of your smartphone or media player.
If the UK economy is to get back on its feet again, digital will be a key growth sector not just for the capital, but the whole country. It's a sector we must nurture - something that will be achieved through broadening, rather than limiting, the scale of our ambitions.