Josh Daniell

So a lot of these products,

are great at delivering a single place for your data and the insights, and now they are moving into how do we allow people to take actions off the back of this.

That is a possibility, and it's a way that some personal financial management services have monetized, is by presenting what they would hope are targeted offers, relevant offers.

It's certainly not the only way, and a lot of personal finance products want to steer clear of that, and they want to be paid for the value that they are providing as a standalone product.

But examples of the actions that could be taken, one is managing subscriptions.

So we talked earlier about how you have visibility over subscriptions, but it would be great if you could say, cancel that one.

And somehow the product goes and cancels that on your behalf.

Totally.

I think anyone that has their expenses presented to them in this format will find subscriptions that they say, it's no longer giving me enough value, I should cancel that.

And making it easy for people to do that is valuable.

And there are some products around the world that have started introducing those types of features before.

And they implement it in different ways.

Some of it will be automating emails to the provider with enough customer information to say cancel for this customer.

But increasingly, AI is the method or the process that is being used to implement these kind of features.

Generally speaking, yes.

So not all of those providers will have a dedicated integration point, but intermediaries like Akahu will go and build integrations with those providers regardless.

So just speaking for ourselves, we do offer integrations with investment platforms, KiwiSaver providers, non-bank card issuers, a whole range of financial services, basically based on demand.

So if there's a whole lot of Kiwi consumers that want to link a particular financial account

to a budgeting app or to some other software product, then that is what we do.

And so we will react to that demand.