Bianca Zwart

Fraud, in this case, is evolving rapidly, right?

It's not a bank problem.

It's not a neobank problem.

It's a problem in society.

And you see it everywhere.

And that is because our lives are increasingly online.

So where do fraudsters go?

Online.

We, of course, take the safety of our users very seriously.

We've been working with AI, for example, for lots of years, really focused on that, to be able to see patterns at scale.

Of course, we still...

work with human judgment as well, right?

AI is great at seeing like digesting lots of data and noticing the patterns, but you still need a human eye.

Yeah, well, actually, and thank you for having me today.

When we started Bunk, for us, it wasn't necessarily about creating a cool neobank with all kinds of features, etc.

We really wanted to bring something of value.

So one of the ways in which we measure if people enjoy Bunk and they see that value is, one, if they're willing to pay for it, but also if they use Bunk as their main account.

And in our case, we actually see that happen quite a lot.

People tend to use Bunk as their main account.

But I actually think for us, you mentioned the competition and the competition is great because it raises the bar, which I think is beneficial for everyone.