Sebastian Siemiatkowski

But yeah, of course, if I could own the company 100% and be private, I would prefer it.

But that's not reality.

Historically, yes, but this has changed due to AI.

One of the things I remember vividly is that when we came to the board and said that like the same plan that I said from 15, right?

Grow global, get customers across the board in all countries.

And then once you have the love and affection of these customers and the relationship with them for day-to-day purchases, then go deeper with them.

Offer them more banking-like services and increase the revenue per customer, right?

So we had this interesting board meeting where we're like, okay, now it's really going to happen, guys.

We are now going to truly start focusing on this transition from just like single payments customer to banking.

And we're going to launch peer-to-peer and we're going to launch, you know, potentially, which is also leaked to the press already, trading.

And we're going to do like a lot of like the other banking services that we at that point in time didn't have.

And we're going to, you know, increase the card and we're going to increase balances and deposits and we're going to do international remittances and all these things.

And then the board looks at this like, yeah, you know, this kind of transitions can be hard.

It changes what the bank is.

We had this discussion.

An additive thought.

Thank you, board.

Yeah.

Exactly.

But the funny thing, I went out and I was like, why was that so easy?