Antoine Le Nel

Yeah, but come and try us. But, you know, come and try us. Just use it maybe when you go on holiday. And that's fine. You know, that's fine. And then maybe at some point I'll be able to convince you with some specific product, some specific anything that ultimately will take you there. But like the idea is not to say, OK, buy H2 2025 H2. Everyone would have to be a primary.

Yeah, but come and try us. But, you know, come and try us. Just use it maybe when you go on holiday. And that's fine. You know, that's fine. And then maybe at some point I'll be able to convince you with some specific product, some specific anything that ultimately will take you there. But like the idea is not to say, OK, buy H2 2025 H2. Everyone would have to be a primary.

No, everyone takes at your own pace. You get there, you know, and it's fine.

No, everyone takes at your own pace. You get there, you know, and it's fine.

No, everyone takes at your own pace. You get there, you know, and it's fine.

So what's the North Star metric for you then? When you look at the numbers, when you look at the analytics, what's the like, are we doing a good job determinant?

So what's the North Star metric for you then? When you look at the numbers, when you look at the analytics, what's the like, are we doing a good job determinant?

So what's the North Star metric for you then? When you look at the numbers, when you look at the analytics, what's the like, are we doing a good job determinant?

Three things, I'd say, obviously. So the first thing is the volume of users, you know, that we're getting. The second thing is the ROI at which we are acquiring them. What's the payback in months? And the last one is out of the people that are with us, But on that journey, you know, that I was explaining, I mean, how they're progressing towards becoming a primary user.

Three things, I'd say, obviously. So the first thing is the volume of users, you know, that we're getting. The second thing is the ROI at which we are acquiring them. What's the payback in months? And the last one is out of the people that are with us, But on that journey, you know, that I was explaining, I mean, how they're progressing towards becoming a primary user.

Three things, I'd say, obviously. So the first thing is the volume of users, you know, that we're getting. The second thing is the ROI at which we are acquiring them. What's the payback in months? And the last one is out of the people that are with us, But on that journey, you know, that I was explaining, I mean, how they're progressing towards becoming a primary user.

Payback-wise, how's that changed over time? It doesn't necessarily change. I think, again, it all depends on, it's a market-by-market thing in some ways. We're very standardized, so it's very stable. It's very stable. We haven't changed much. What's the hardest thing about your role today, Antoine? It's a bit what I was saying about the living animal of the growth engine.

Payback-wise, how's that changed over time? It doesn't necessarily change. I think, again, it all depends on, it's a market-by-market thing in some ways. We're very standardized, so it's very stable. It's very stable. We haven't changed much. What's the hardest thing about your role today, Antoine? It's a bit what I was saying about the living animal of the growth engine.

Payback-wise, how's that changed over time? It doesn't necessarily change. I think, again, it all depends on, it's a market-by-market thing in some ways. We're very standardized, so it's very stable. It's very stable. We haven't changed much. What's the hardest thing about your role today, Antoine? It's a bit what I was saying about the living animal of the growth engine.

I mean, we've built an engine that is working today, but it doesn't mean that it's going to work forever. You need to progressively evolve it pieces by pieces. That's very difficult. When you know something works and you need to keep iterating so that you make sure it keeps working and you keep being one step ahead of everyone. That's difficult.

I mean, we've built an engine that is working today, but it doesn't mean that it's going to work forever. You need to progressively evolve it pieces by pieces. That's very difficult. When you know something works and you need to keep iterating so that you make sure it keeps working and you keep being one step ahead of everyone. That's difficult.

I mean, we've built an engine that is working today, but it doesn't mean that it's going to work forever. You need to progressively evolve it pieces by pieces. That's very difficult. When you know something works and you need to keep iterating so that you make sure it keeps working and you keep being one step ahead of everyone. That's difficult.

It's always this idea of the cow getting eaten from the back and you realize really late that actually you're gone. Staying on top of it, even though it's working really well, never be complacent about the success we have. We rarely look back at Revolut. We're never happy about our success. It's very rare we reach our targets. We never reach our targets because our targets are much greater than

It's always this idea of the cow getting eaten from the back and you realize really late that actually you're gone. Staying on top of it, even though it's working really well, never be complacent about the success we have. We rarely look back at Revolut. We're never happy about our success. It's very rare we reach our targets. We never reach our targets because our targets are much greater than

It's always this idea of the cow getting eaten from the back and you realize really late that actually you're gone. Staying on top of it, even though it's working really well, never be complacent about the success we have. We rarely look back at Revolut. We're never happy about our success. It's very rare we reach our targets. We never reach our targets because our targets are much greater than