Today peer-to-peer (P2P) lending platform Zopa is one of the most high-profile ambassadors of the UK fintech scene. Launching on the market back in 2005 with a brand new model for consumer loans, the firm has today lent more than £1.5bn with 53,000 lenders on its books. The journey has been far from simple however and in the latest episode of the FinTalk podcast interview series we sat down with co-founder and executive chairman Giles Andrews to discuss the growing pains of entrepreneurship, good timing and why realism is as important as optimism for startups.