Antoine Le Nel

If I park China, obviously, which is a very different market. It's quite a difficult one. It's not an easy one to get your hands on. It's only a billion two.

Come on, Nick, founder mode. So let's park China for a second. And you see, that's the thing that I've seen as well. My experience at King was the most important. I think the idea of localization is completely overrated. I don't believe in localization. That we saw at King, it was the same creative working globally everywhere, with one exception, Japan. Japan is different.

Come on, Nick, founder mode. So let's park China for a second. And you see, that's the thing that I've seen as well. My experience at King was the most important. I think the idea of localization is completely overrated. I don't believe in localization. That we saw at King, it was the same creative working globally everywhere, with one exception, Japan. Japan is different.

Come on, Nick, founder mode. So let's park China for a second. And you see, that's the thing that I've seen as well. My experience at King was the most important. I think the idea of localization is completely overrated. I don't believe in localization. That we saw at King, it was the same creative working globally everywhere, with one exception, Japan. Japan is different.

I have to say Japan is a different beast. But the rest is the same. It's one global market. And I think that the consumer interest, what people are clicking on is the exact same thing. The extra performance you would get by being a lot more localized is not worth the effort. And that's what we're seeing. I mean, like, I mean, at King and we see that the same, you know, at Revolut.

I have to say Japan is a different beast. But the rest is the same. It's one global market. And I think that the consumer interest, what people are clicking on is the exact same thing. The extra performance you would get by being a lot more localized is not worth the effort. And that's what we're seeing. I mean, like, I mean, at King and we see that the same, you know, at Revolut.

I have to say Japan is a different beast. But the rest is the same. It's one global market. And I think that the consumer interest, what people are clicking on is the exact same thing. The extra performance you would get by being a lot more localized is not worth the effort. And that's what we're seeing. I mean, like, I mean, at King and we see that the same, you know, at Revolut.

I mean, we became number one. in Romania and Norway with the exact same strategy, I mean, the same thing, you know, and people say, oh, but it's Europe. Yeah, but I mean, if you've been to Romania and Norway, you would realize it's not exactly the same culture in the same country.

I mean, we became number one. in Romania and Norway with the exact same strategy, I mean, the same thing, you know, and people say, oh, but it's Europe. Yeah, but I mean, if you've been to Romania and Norway, you would realize it's not exactly the same culture in the same country.

I mean, we became number one. in Romania and Norway with the exact same strategy, I mean, the same thing, you know, and people say, oh, but it's Europe. Yeah, but I mean, if you've been to Romania and Norway, you would realize it's not exactly the same culture in the same country.

People say the most important thing for Revolut to prove out is its ability to be the primary account, and the percent of primary accounts is still low. How do you think about focusing on that versus being everywhere to everyone?

People say the most important thing for Revolut to prove out is its ability to be the primary account, and the percent of primary accounts is still low. How do you think about focusing on that versus being everywhere to everyone?

People say the most important thing for Revolut to prove out is its ability to be the primary account, and the percent of primary accounts is still low. How do you think about focusing on that versus being everywhere to everyone?

The strategy at Revolut, it's very simple. Obviously, we want people to use us as a primary bank. We don't need everyone to do it now. That's the big difference with, let's say, any other banks. When you decide to move from HSBC to Barclays, you make a conscious decision that I'm moving there. While Revolut, we're more like a snack.

The strategy at Revolut, it's very simple. Obviously, we want people to use us as a primary bank. We don't need everyone to do it now. That's the big difference with, let's say, any other banks. When you decide to move from HSBC to Barclays, you make a conscious decision that I'm moving there. While Revolut, we're more like a snack.

The strategy at Revolut, it's very simple. Obviously, we want people to use us as a primary bank. We don't need everyone to do it now. That's the big difference with, let's say, any other banks. When you decide to move from HSBC to Barclays, you make a conscious decision that I'm moving there. While Revolut, we're more like a snack.

So you want to take a bite, you know, so you try Revolut and then maybe because you go on holiday, you know, and you need a car to go on holiday. Okay, fine. Then you come back from holiday and say, oh, well, you know, maybe I want to do a bit of trading and stuff, you know, buy some ETFs and so on. So then you buy some ETFs. So, oh, then, I mean, there's a bit of savings.

So you want to take a bite, you know, so you try Revolut and then maybe because you go on holiday, you know, and you need a car to go on holiday. Okay, fine. Then you come back from holiday and say, oh, well, you know, maybe I want to do a bit of trading and stuff, you know, buy some ETFs and so on. So then you buy some ETFs. So, oh, then, I mean, there's a bit of savings.

So you want to take a bite, you know, so you try Revolut and then maybe because you go on holiday, you know, and you need a car to go on holiday. Okay, fine. Then you come back from holiday and say, oh, well, you know, maybe I want to do a bit of trading and stuff, you know, buy some ETFs and so on. So then you buy some ETFs. So, oh, then, I mean, there's a bit of savings.

Okay, maybe I can put a bit of savings. And then you go little by little, and then you reach a point, maybe, I mean, for some people, it can take six months, for some people, it can take three years, and so on. And you say, you know what, I actually have everything I need here.