Antoine Le Nel

And there are some false positives. There are definitely some false positives where we may say yes and it should have been a no, and we said no and it should have been a yes. So I'm not saying it's perfect. It's not perfect at all. But at least we move a lot faster. And yes, there are some costs in terms of false positives, but it's a lot more powerful.

And there are some false positives. There are definitely some false positives where we may say yes and it should have been a no, and we said no and it should have been a yes. So I'm not saying it's perfect. It's not perfect at all. But at least we move a lot faster. And yes, there are some costs in terms of false positives, but it's a lot more powerful.

And there are some false positives. There are definitely some false positives where we may say yes and it should have been a no, and we said no and it should have been a yes. So I'm not saying it's perfect. It's not perfect at all. But at least we move a lot faster. And yes, there are some costs in terms of false positives, but it's a lot more powerful.

I was thinking to Gustav at Spotify, who's the CPO of Spotify, and he says, talk is cheap, so we should do a lot more of it. And it's the power of debate and discussion in teams. And it's just the flip side of this, which is, nope, it's black or it's white.

I was thinking to Gustav at Spotify, who's the CPO of Spotify, and he says, talk is cheap, so we should do a lot more of it. And it's the power of debate and discussion in teams. And it's just the flip side of this, which is, nope, it's black or it's white.

I was thinking to Gustav at Spotify, who's the CPO of Spotify, and he says, talk is cheap, so we should do a lot more of it. And it's the power of debate and discussion in teams. And it's just the flip side of this, which is, nope, it's black or it's white.

Yeah, because you don't add up time. You go quicker. Do you not lose creativity? I don't think creativity is necessarily... No, because you iterate so much, you create more, because you do more. You know, like, for example, if I need to do an ad, but then if I spend three months talking about it, instead of a week, I might only run two ads a year.

Yeah, because you don't add up time. You go quicker. Do you not lose creativity? I don't think creativity is necessarily... No, because you iterate so much, you create more, because you do more. You know, like, for example, if I need to do an ad, but then if I spend three months talking about it, instead of a week, I might only run two ads a year.

Yeah, because you don't add up time. You go quicker. Do you not lose creativity? I don't think creativity is necessarily... No, because you iterate so much, you create more, because you do more. You know, like, for example, if I need to do an ad, but then if I spend three months talking about it, instead of a week, I might only run two ads a year.

Well, if I only talk about it for a week, I can run four a year, so I can iterate more. So I think, yes, maybe the inception time is shorter, much shorter, you know, so maybe, yeah, there's less discussion, bouncing back and so on, bouncing ideas and so on. But because you do a lot more, at the end of the day, you get more stuff done. I think from a creativity perspective, it still works.

Well, if I only talk about it for a week, I can run four a year, so I can iterate more. So I think, yes, maybe the inception time is shorter, much shorter, you know, so maybe, yeah, there's less discussion, bouncing back and so on, bouncing ideas and so on. But because you do a lot more, at the end of the day, you get more stuff done. I think from a creativity perspective, it still works.

Well, if I only talk about it for a week, I can run four a year, so I can iterate more. So I think, yes, maybe the inception time is shorter, much shorter, you know, so maybe, yeah, there's less discussion, bouncing back and so on, bouncing ideas and so on. But because you do a lot more, at the end of the day, you get more stuff done. I think from a creativity perspective, it still works.

How do you think about Revolute US? The US is always the big golden nut to crack. Everyone's tried it. How do you think about how to crack the US?

How do you think about Revolute US? The US is always the big golden nut to crack. Everyone's tried it. How do you think about how to crack the US?

How do you think about Revolute US? The US is always the big golden nut to crack. Everyone's tried it. How do you think about how to crack the US?

It's interesting, you know, because when you look at it, even local fintechs, they're not that big. No, I mean, your Chime is probably one of the biggest. Yeah, I mean, Cash App is, but it's not that big, you know, when you consider the size of the US.

It's interesting, you know, because when you look at it, even local fintechs, they're not that big. No, I mean, your Chime is probably one of the biggest. Yeah, I mean, Cash App is, but it's not that big, you know, when you consider the size of the US.

It's interesting, you know, because when you look at it, even local fintechs, they're not that big. No, I mean, your Chime is probably one of the biggest. Yeah, I mean, Cash App is, but it's not that big, you know, when you consider the size of the US.

It's really poor. I mean, Chime, you know, is probably a quarter of the enterprise value of Revolut now.

It's really poor. I mean, Chime, you know, is probably a quarter of the enterprise value of Revolut now.