High security

Most people have never heard of a Swiss man called Francisco Fernandez, but tens of millions of us rely on him to look after our money. An unassuming 53-year-old who likes playing the piano in his spare time, he is responsible for the security of $4tn (£3.2tn) of bank deposits around the world. Mr Fernandez is the founder and boss of a company that is as little known as he is - Avaloq. The Swiss business and its 2,500 employees may fly under the radar, but it is one of the world's largest providers of banking software. Its systems are used by more than 450 banks around the world, including the UK's Barclays, HSBC, and Royal Bank of Scotland, plus Deutsche Bank, Societe Generale, UBS and Nomura.