It has been a while since we checked in on Japanese personal finance app Zaim. So I was surprised and delighted to bump into the service’s creator Takako Kansai at an event in Osaka last week. In addition to being a mainstay app on my mobile, letting me scan my receipts and track my spending, Zaim also has one of the best founder stories ever, as Takako developed her app during her subway commute to and from work.