TS Anil

So it's a very fragmented fintech industry, but which is where we see the opportunity. The idea of bringing it together in a single place for the American customer seems very attractive.

So it's a very fragmented fintech industry, but which is where we see the opportunity. The idea of bringing it together in a single place for the American customer seems very attractive.

So it's a very fragmented fintech industry, but which is where we see the opportunity. The idea of bringing it together in a single place for the American customer seems very attractive.

Yeah, so the honest answer, we're still in a bit of discovery mode on that why will they come question. Is it not the same as the UK?

Yeah, so the honest answer, we're still in a bit of discovery mode on that why will they come question. Is it not the same as the UK?

Yeah, so the honest answer, we're still in a bit of discovery mode on that why will they come question. Is it not the same as the UK?

No, I don't think so. It's a very credit hungry market. It's a market where a lot of people have been trained to apply for credit. And that's the hook product. I mean, ultimately, we think about it across, you know, why will they come? Why will they stay? And then how do we make money?

No, I don't think so. It's a very credit hungry market. It's a market where a lot of people have been trained to apply for credit. And that's the hook product. I mean, ultimately, we think about it across, you know, why will they come? Why will they stay? And then how do we make money?

No, I don't think so. It's a very credit hungry market. It's a market where a lot of people have been trained to apply for credit. And that's the hook product. I mean, ultimately, we think about it across, you know, why will they come? Why will they stay? And then how do we make money?

We're still early days in sort of pounding the table and saying this is a high conviction answer to that question.

We're still early days in sort of pounding the table and saying this is a high conviction answer to that question.

We're still early days in sort of pounding the table and saying this is a high conviction answer to that question.

I mean, credit is the obvious hypothesis, as I said, right? Because if you look across the fintech industry, both in terms of how people are monetizing it and what's driving user growth, credit and its adjacent products, like early wage access and so on, seem to be a big part of the industry.

I mean, credit is the obvious hypothesis, as I said, right? Because if you look across the fintech industry, both in terms of how people are monetizing it and what's driving user growth, credit and its adjacent products, like early wage access and so on, seem to be a big part of the industry.

I mean, credit is the obvious hypothesis, as I said, right? Because if you look across the fintech industry, both in terms of how people are monetizing it and what's driving user growth, credit and its adjacent products, like early wage access and so on, seem to be a big part of the industry.

So that's what we're sort of working on and getting our heads around, like what that real thing there is and what's the best product for the customer in that context.

So that's what we're sort of working on and getting our heads around, like what that real thing there is and what's the best product for the customer in that context.

So that's what we're sort of working on and getting our heads around, like what that real thing there is and what's the best product for the customer in that context.

It does. And that's why I said we're trying to figure out what's the differentiating thing that we can really uniquely bring.

It does. And that's why I said we're trying to figure out what's the differentiating thing that we can really uniquely bring.