Innovation drives not just productivity, but also entrepreneurship, the inclination to start your own business. Fintech — short for financial technology — is the latest breeding ground for aspiring entrepreneurs.

Ruchell Salas, 23-year-old chief executive officer of startup CashFinder, is a case in point. I first met Ruchell as a marketing executive for a PR agency where I contributed write-ups every now and then for the past two years. We were work-related passing acquaintances, with me at the receiving end of her email invites a press conferences and she, the gregarious face at the reception table of the press con venue.

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