Alex Lintner

So privacy laws allow you to opt out, and it is actually in yours, the consumer's interest, that you make the information available for lending.

That's a really interesting question about scale.

I'm the tech guy here, and from a technology perspective, I don't want to make a macroeconomic or regulatory statement, but from a technology perspective, it's definitely true.

Because if you have scale, you hold more information.

And as you hold in more information, you need to deal with it responsibly.

And again, it gets me back to those three tenets.

We need to protect privacy, consent, and security.

And if you have more information, you better do it really, really, really good.

To get back to your local or national or global scale, you know, so first of all, there are very few global financial players.

So let's start there.

They are literally, we can probably count them on two hands.

And even, you know, I know those companies from the inside.

They don't always act globally.

You know, they often act locally.

So I don't want to name any names, but, you know, large international banks born in Europe, large international banks born in New York City, where you're at, you know, they have an American reputation.

business strategy and then they have whatever a British and Australian business is.

It's actually different.

And our models are different and lending criteria is different and the lending products are different.

So they're sort of global...

presence is rare.