Sebastian Siemiatkowski

I can fall asleep crying over that.

But the funny thing is that, like, so you have these fintechs now who are actually starting to become really big.

I mean, Revolut is really big, Clona is really big, Nubank, you know, etc.

So, but we're all coming from slightly different angles.

We're all coming from slightly different.

And now the people who are going to be threatened by this is the incumbents primarily.

Like, of course, I'm going to partly compete with Revolut.

I'm partly doing that already.

But if you look at, like, they're very big in Romania.

Romania is not a big market for me, right?

Like, I think there's the second largest market or something for Revolut if I look at, like, number of users.

Romania is not a big market for me.

I'm very big in other markets.

So that's going to differ, right?

But whose market share are we eating?

Barclays, Wells Fargo's, Capital One.

Those are the companies that we are going after, right?

So I don't really see there's a big conflict between us.

It's more the incumbents that are going to lose customers.

No, but listen, it's like this.