Every month, 42,000 marathon runners, cyclists, abseilers, firewalkers and more create a new charity fundraising page on JustGiving. The website has grown to be used by 15 million people, who have raised over £1 billion for good causes. But Zarine Kharas, one of the brains behind the business, admits that before launch, ‘what I knew about charities or small businesses you could write on the back of a very small envelope.’

There was no eureka moment around the creation of JustGiving. ‘It started with a phone call very late at night’, explains Kharas, who grew up in Pakistan before moving to the UK to study law at Cambridge, then working her way up the ranks in the legal world before moving to investment bank Credit Suisse. ...

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