Bianca Zwart

But for us, the question isn't necessarily what are the others doing?

What are they not doing?

For us, it's about can we stay close to the promise we made to our users when we started as we grow.

So when we started, we wanted to make life easy for our users.

Now we're growing across countries, products, etc.

And it becomes harder to do that.

So for us, it's really about how can we focus on that as we grow.

That is our biggest focus.

Yes, we do.

At the moment, Ireland is our third largest deposit holding country and definitely the top five of our markets, yes.

The Netherlands and Germany.

Yeah, so we started in the Netherlands, but we're a European neobank at the moment.

So we have a European banking license and we recently applied for a US banking license and a Mexican banking license, which is fresh off the press.

We did that two weeks ago.

Yeah, so we're really closely listening to our users' needs.

And I think one of the things that we focus on is not necessarily what features do we use, what features do we launch, what do we not launch.

Although we've added a lot of great features in the meantime.

In Ireland, we've added stocks.

We've added investing in crypto, for example, that people are really using.

But for us, it's really about trust.