Mark White-Robinson

So, yeah, we're looking to set those partnerships up and help people get in and save more with none of those fees there if we can.

it's win, win, win, right?

So the, the, the user gets like a cool new tool that helps them save more than they would otherwise.

Um, the fund providers, they get extra funds under management.

So they, they usually charge fees on those funds.

So that helps grow the, the fees they're getting as well.

Um, and we obviously get to stitch that all together, but, um,

It is quite powerful, right, because our average user is doing about $1,000 a year, and in KiwiSaver, an average kind of salary earner will do about $3,000 to $4,000 a year.

So it's kind of that 25% uplift in terms of contributions a year.

So it's a really meaningful amount, which is attractive to fund managers and things.

So our...

Our biggest challenge has always been telling people about us, right?

So we were four founders, basically, who sat down quite a few years ago now, in April, May 2023, kind of sat down and we were like, we want to do something in KiwiSaver.

That's kind of the original story.

And we had this crazy idea of how do we kind of build this product for non-financial services businesses?

And what became Fijar was...

a tool on top of that, basically a funnel to make that attractive to those businesses.

And we kind of built that because it was the easiest thing to do.

Showed it to a few people and people really liked it.

So we tidied it up and decided we wanted to