TS Anil

In the early days of a company, when you're building the foundations of the company, you build a great tech stack, you figure out the product market fit and the brand and how you want to go to market and all of those things. But in a regulated business, you also put in place the muscles to operate this at scale in a regulated context. Getting that right early on has meant a few things.

In the early days of a company, when you're building the foundations of the company, you build a great tech stack, you figure out the product market fit and the brand and how you want to go to market and all of those things. But in a regulated business, you also put in place the muscles to operate this at scale in a regulated context. Getting that right early on has meant a few things.

It's meant that we've earned real trust from our customers. It's meant that we know how to do that and continue to scale. We know that getting it right actually creates a moat around our business in a very, very important way. Hindsight is a lovely thing, and we could debate what sequencing is better or worse. But here we are, the largest UK digital bank and so much more.

It's meant that we've earned real trust from our customers. It's meant that we know how to do that and continue to scale. We know that getting it right actually creates a moat around our business in a very, very important way. Hindsight is a lovely thing, and we could debate what sequencing is better or worse. But here we are, the largest UK digital bank and so much more.

It's meant that we've earned real trust from our customers. It's meant that we know how to do that and continue to scale. We know that getting it right actually creates a moat around our business in a very, very important way. Hindsight is a lovely thing, and we could debate what sequencing is better or worse. But here we are, the largest UK digital bank and so much more.

Sure, let's talk about cryptocurrency trading. That's a good one where we chose to not do it because letting the average customer buy 100 cryptocurrencies because we could make a buck off of it just felt not on mission at all.

Sure, let's talk about cryptocurrency trading. That's a good one where we chose to not do it because letting the average customer buy 100 cryptocurrencies because we could make a buck off of it just felt not on mission at all.

Sure, let's talk about cryptocurrency trading. That's a good one where we chose to not do it because letting the average customer buy 100 cryptocurrencies because we could make a buck off of it just felt not on mission at all.

And it was clear to us that if we wanted customers to trust us and do what's right for them and their long-term financial interests, we were going to have to take them on a journey. The goal was, of course, we will offer all sorts of asset classes in time, but really build it around helping customers understand what they're doing. And so we chose to walk away from that.

And it was clear to us that if we wanted customers to trust us and do what's right for them and their long-term financial interests, we were going to have to take them on a journey. The goal was, of course, we will offer all sorts of asset classes in time, but really build it around helping customers understand what they're doing. And so we chose to walk away from that.

And it was clear to us that if we wanted customers to trust us and do what's right for them and their long-term financial interests, we were going to have to take them on a journey. The goal was, of course, we will offer all sorts of asset classes in time, but really build it around helping customers understand what they're doing. And so we chose to walk away from that.

of of the millions of customers investing in cryptocurrency ranked number 75 because they saw a tweet does that sound to you like a customer that understands that currency and the reasons why that that particular currency has got tailwind of growth no but i'm as far right free market as you can come and so i think that you can't be the arbiter of consumer knowledge and saying you are smart enough versus you're not smart enough and so i'm not going to i don't disagree for a minute

of of the millions of customers investing in cryptocurrency ranked number 75 because they saw a tweet does that sound to you like a customer that understands that currency and the reasons why that that particular currency has got tailwind of growth no but i'm as far right free market as you can come and so i think that you can't be the arbiter of consumer knowledge and saying you are smart enough versus you're not smart enough and so i'm not going to i don't disagree for a minute

of of the millions of customers investing in cryptocurrency ranked number 75 because they saw a tweet does that sound to you like a customer that understands that currency and the reasons why that that particular currency has got tailwind of growth no but i'm as far right free market as you can come and so i think that you can't be the arbiter of consumer knowledge and saying you are smart enough versus you're not smart enough and so i'm not going to i don't disagree for a minute

Because this is not about us being paternalistic. This is about us presenting to the customer the information to help them make a good decision. So if I want to have them invest, I think we should give them the tools to make good investing decisions. Do you think it was the right decision on crypto? If it wasn't, if we had relitigated that, we would have launched it in the time since.

Because this is not about us being paternalistic. This is about us presenting to the customer the information to help them make a good decision. So if I want to have them invest, I think we should give them the tools to make good investing decisions. Do you think it was the right decision on crypto? If it wasn't, if we had relitigated that, we would have launched it in the time since.

Because this is not about us being paternalistic. This is about us presenting to the customer the information to help them make a good decision. So if I want to have them invest, I think we should give them the tools to make good investing decisions. Do you think it was the right decision on crypto? If it wasn't, if we had relitigated that, we would have launched it in the time since.

So it wasn't a one-off decision. It wasn't a point-in-time decision. We've chosen not to do it yet. How do you think about stocks with that in mind? Sure. As I said, ultimately in my mind, we want to give customers a full range of asset classes to invest in.

So it wasn't a one-off decision. It wasn't a point-in-time decision. We've chosen not to do it yet. How do you think about stocks with that in mind? Sure. As I said, ultimately in my mind, we want to give customers a full range of asset classes to invest in.

So it wasn't a one-off decision. It wasn't a point-in-time decision. We've chosen not to do it yet. How do you think about stocks with that in mind? Sure. As I said, ultimately in my mind, we want to give customers a full range of asset classes to invest in.