1030. News: Nala and Noah partner on cross-border stablecoins – is a 10% US credit card interest cap coming?

28:20What should the key takeaway be for the listeners? I think, I guess, I think Veronique already touched base on that. I mean, I think the biggest opportunity we've seen why stablecoin is growing so fast is previously it was very hard to give dollar access to emerging markets. Like it was pretty much non-existent. And it's kind of interesting because we try to understand why that is. And really, so, you know, creating dollar accounts and also giving dollar exposure, which is stable coins, has been really a push from crypto. Previously, it was not really being pushed towards banks. And what I understand, working with a lot of banks, is that simply they don't want to do the compliance work.

29:09For them, we had a number of occasions with, let's say, EMIs or banks whereby the argument, they're sitting in Europe and they really believe that in Africa, everyone is fraudulent. I mean, most of them, I assume, have not traveled. So I think Stablecoin, given that he has grown so fast in those jurisdictions, it has shown and has helped us to build a business case for a lot of these fintechs and banks that this is a huge market and a lot of these participants want to basically hold dollars and foreign currencies but because before you could only get local so i mean on international rails it's hard because with swift you could not because the bank in in local current in the local would basically intercept because they want to fight against the capital flight.

30:02But given that you can give them local rails in the US, let's say ACH wire or like CEPA, in conjunction with Stablecoin, you're able to actually give them international payments. And I think that's the biggest exciting news. You have to imagine a lot of these people are not particularly poor because of the war card because every time they save their money, they put it in a massive that loses value constantly. And previously, they were solving that problem by putting hard cash, I'm talking about dollar notes, under the pillow. And I think that solution is not needed anymore. So I think that's pretty exciting.

30:42By the way, four businesses as well as consumers. It goes from both sides, yeah. Brilliant. Well, yeah, congratulations on this partnership. It sounds like you're on a real roll with lots more to come and a huge opportunity space in front of me. So please do come back and tell us more about it as it unravels. On that note, we're just going to take a quick pause here back shortly. Hey, folks. David Breer here, CEO of 11FS. Here's something you might not know about me. I get a lot of people trying to impersonate me online, fake profiles, scam emails, the lot. And a big part of that comes from data brokers, hundreds of them quietly collecting and selling your personal information, your phone number, email, home address, job title, all out there and all fueling identity theft, scam calls and spam.

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32:25Now, a quick break from the headlines to let you know about something exciting we've been working on here at 11FS. We've teamed up with Seckle to produce a brand new report on the future of embedded investing and the huge untapped potential for brands and consumers. Get your copy for free right now via 11fs.com forward slash embedded hyphen investing and we'll put a link in the show description as well. And now back to the news. Our next story is that Weobank launches first account for content creators in the UAE. A story on MSN. Weobank has launched the UAE's first banking account designed specifically for content creators and digital entrepreneurs, offering tailored features to support income management, payments, and business growth.

33:12Weobank said the account enables content creators to work efficiently on a global level and gives them true financial independence. The account is fully digital and multi-currency with no minimum balance requirement and offers smart tools that enable users to manage bills and business operations easily without the need for an accountant. To find out more about the launch, we spoke to Amina Tahir, Chief Marketing Officer at WIO Bank. Let's hear from her now. At Weo, our ethos is built around empowering both individuals and businesses to be able to spend, save, and invest smarter. And content creators are one of them.

33:53So we sat with them at the One Billion Summit last year and listened to their challenges. And honestly, their feedback was consistent. Everyone said one same thing, that their bank account doesn't get them. Whether, you know, invoicing was manual or being paid across borders was too complicated and so on. So what we did is we came back this year and we took those conversations and feedback and we created Weo Creators. Weo Creators is the first UAE bank account that's built specifically for content creators. What does that mean? It basically gives them 12 months of free banking, fully digital onboarding with no minimum balance.

34:37You've got built-in invoicing, smart reporting, and multi-currency account. And this was all designed to remove friction so they can focus on actually creating and growing and continuing to build impact in their respective field and contributing to the creative economy. So we're incredibly proud that we launched this with Visa along with Creators HQ at the One Billion Summit. And so far, the feedback has been great. And we hope to continue to evolve this product for the content creators here in the UAE. And thank you so much to Amina for sending that through. So, is it significant that they have pointed this product at content creators rather than gig economy workers or freelancers specifically.

35:29Veronica, what do you think? Is there sort of a difference in terms of the needs of content creators versus any other form of gig economy work that would require their own specific bank account? Yeah, I mean, I think this does feel like a very Dubai, UAE story. But there is a reason for that as well, which is that there's certain needs that these two different economies or they'll overlap and then will there be quite different. So where they'll overlap is potentially in the fluctuation of their individual income. So gig workers or content creators may have a certain seasonality of their jobs that might vary by day, by week, by month or by season, depending on what it is that they do exactly.

36:21So you're going to have certain banking applications that will fill these two economies with a certain level of overlap. But they are quite different because a gig economy typically tends to be very transactional, high volume, lower margin, a lot of physical tasks that are better equipped for certain types of platforms to handle that fluctuation and that kind of behavior. and then the financial needs that come on top of that. Whereas the creator economy typically will be low volume, but sort of high value partnership as well. And they're just going to have very different financial needs as well when it looks at cash flow, eventually if they ever have to take out a loan or any other sort of financial service as well.

37:08So this seems for me actually very of the moment, particularly in the UAE which is a very creator heavy economy as well. They're quite well positioned to take that on and I'll be really keen to see if they end up extending that to any other markets where there's a heavy creator economy. Yeah definitely. So the significance of the launch was that it was at the 1 billion followers summit which was quote the world's largest gathering dedicated to the content creation economy which was organized by the UAE government's media office. And equally, the creative and creative economy is actively being developed as a pillar of digital entrepreneurship in the UAE as it grows its digital footprint.

37:58And yet, as you say, Veronica, it would be interesting to see if that could be expanded either to other geographies or other niches. Kind of, Sha, from what we were just talking about on your story, obviously there's a a huge potential for kind of gig economy workers people who are sort of outside of the the usual kind of financial systems how like what's your take on this do you think this works as an opportunity yeah I guess first of all like you know Dubai obviously is a tax haven so I just was there for six weeks and there is a lot of independent workers I think it's a It's a kind of a big trend whereby people have much better lifestyle.

38:42They can choose their hours. They work when they want to. Some of them don't work for a month, then they choose to work for another two or three months. So I think it's definitely a growing trend, especially among the young population. They just want more flexibility in their life and they avoid any of these traditional office jobs. So, yeah, I think it's a growing sector overall. I think it's obviously the Internet made that possible because you could basically make, you know, let's say video, YouTube content creators, all of that wouldn't exist without YouTube itself and the growing audience or TikTok.

39:19So it's definitely going to keep growing as the internet grows and more people are online and basically creators are able to reach their target customers directly and they don't even have to scale to millions of users you can also have like a niche user base of 10 to 10 20 000 that is highly targeted and now with ai it seems that a one-man shock is it's going to be extremely powerful so i will just see that trend accelerating in conjunction also with lifestyle it provides um and yeah and dubai is definitely the up for it because uh most of these creators are also traveling a lot and they're just going to be a few months in dubai and otherwise they're going to be everywhere under six months and there's benefits from Dubai tax six years.

40:05Yeah, that's very true. And sort of seeing this almost as moving almost ahead in the evolution of how people will work and how their lifestyles will work and how they will want to manage their finances in accordance with, like, you know, the future of work, essentially. Yeah. Matthew, what was your take on this? For a bit of background on Weobank, they've been on a huge trajectory since they launched in 2022 with 250 ,000 retail customers, 120 ,000 business customers, and an increase of 72 % year on year from 2024 to 2025. And we're very well known for reaching profitability in their first year of operation.

40:48Does this sort of stability, particularly that profitability piece, give them a good platform from which to sort of experiment with new products and services, try new things, try new niches. What was your take on this? Yeah, absolutely. I think it's very interesting, regardless of geography, to see a chartered financial institution build this kind of product. We've seen fintech companies poke at this, some of which don't exist anymore, and some of which do. We have Carrot Financial here in the United States that offers business banking and business credit cards focused on creators and influencers.

41:23and I do think there's high value, generally speaking, in focused accounts for different types of businesses and creators are a form of a business, but as Veronica noted, not a typical form of a business, perhaps they have unique needs and there is other factors like even financial education that can be built into these accounts to help these folks be successful. Like I noted that we mentioned, you know, not needing an accountant, you know, being efficient. So what are those tools? And it's very interesting to see a bank itself doing that when you think of them as being typically more conservative.

42:01And, you know, these would be probably more challenging, you know, micro or small businesses to lend to. But I think that WIO's base gives them an opportunity to kind of attack the problem from that level of stability in a way that, you know, a startup trying to do this in a bank partnership would not be able to. Absolutely. On that point around that sort of not having an accountant, but also trying to layer on financial education, is there any sort of risks or drawbacks to a digital approach like this, either on the immediate KYC side or in terms of the customer support, particularly if they're new to this sort of way of working, no branches, in-app support, no accountant, etc.

42:48Or are these people digitally savvy enough that it shouldn't matter to them? What do you think? I would imagine they love digital service. Maybe they're asking other, you know, financial, personal finance influencers to tell them how to do their taxes. I don't know. Maybe that's the trick. But I do think, and we see this in a lot of geographies where there are fees on accounts like this, even if there are not necessarily minimums or other things, but there are kind of add-on services to go there. And to Shah's point, maybe AI is going to help people to, you know, manage some of these things. Because I think financial services always feels very personal and people do want that customized advice and not something that's generic.

43:31Like you can say, save for retirement, like how much and in what form and what's right for me and all these things is a very personal decision. I think that's where we have yet to see automated tools really solve that problem. I think people still want personal advice for a lot of that. Definitely. And even the product itself on that kind of personalized angle, we always say that they designed this product with direct feedback from its target audience, i.e. they spoke to actual content creators, kind of figured out what their sort of banking needs were or how they were not being addressed. Veronica, kind of how critical is that if you're going to create a product like this for a particular niche to actually have them, you know, work side by side with you to actually build that for their requirements?

44:16Yeah, I mean, I think it's actually really critical, especially when you're building a digital first product. You want to have the richest possible data to ensure that level of personalization, the duty of care to the customer, you know, and actually even be able to anticipate their needs so that your business can scale alongside their business. You know, I think the personal touch of being able to go to a financial advisor, it's something that's absolutely crucial. So you have to replicate that in a digital only space, especially because going to a financial advisor means that someone has to be financially literate enough and proactive enough to approach them.

45:00But you can circumvent that by designing a proactive process that says, hey, customer, you've saved this amount, but do you know you can actually maximize your retirement savings by doing X, Y, Z in the next six months? or here's an opportunity to change up your investment portfolio or your savings or your tax efficiency. You know, there's, yeah, having that data and the richest possible data on consistent user behavior is what helps a business grow as their customers grow, both as people and as solopreneurs. Fantastic. Well, we will keep an eye on this one and see how it evolved. If it goes to other geographies, if it goes to other niches, etc.

45:43We'll keep an eye on that one. But I'm going to move us on now to our next story, which is that global fintech funding surges 21 % in 2025, according to a new Innovate Finance report. The story on fintech futures says that new research from Innovate Finance shows that in 2025, global fintech investment began to grow again, with an increase of 21 % and a worldwide total of$53 billion, sorry, over 5 ,000 deals. The US remains the leading market with$25.1 billion, where the UK reclaimed second place by the end of the year with$3.6 billion, closely followed by India, who had 3.4. The payment sector was the major issuer of capital in 2025 globally and in the UK, with significant raises by crypto platforms in the US and the UAE.

46:37The largest primary raise of 2025 was Binance's$2 billion deal, which bolstered the UAE's ranking position massively in the first half of the year. So, Veronica, I want to come to you first on this. What were your key takeaways from this report? And obviously, aside from those sort of headlines that I read out, overall, is this good news for the fintech sector? Yeah, it's a good question. I mean, in some ways, I almost want to say it's not entirely news because this actually points to fintech investment stabilizing. You know, back in 2021, when we had the peak of investment at over$100 billion globally, that was such a massive piece of news.

47:21And those figures globally seem to be stabilizing in terms of the amount of capital that is being invested. So that 50 odd billion actually feels like a healthy amount from year to year, moving away from a fintech bubble. So I kind of see it as a no news is good news. It means the sector continues to mature. There's steady growth. There's new verticals and new ecosystems to invest in. New niches that go deeper and deeper and continue the maturation of the industry. You know, and there's a few headlines in there that I thought were quite interesting as well. I mean, the UK has always been a pretty solid number two, but it is interesting to see other markets start to catch up with that in terms of the volume of capital being invested in those markets.

48:12And for the last few years, we've seen where the sort of global top 10 markets used to be really concentrated in North America and Europe is now really spread across continents. So I think just another indication of the maturation of the industry, but also emerging markets catching up. Yeah, definitely. That was really nice to see. And I think overall, there was almost like we reported on this at the end of the first half of the year where everyone was a little bit concerned because what we're seeing is a sort of 40-60 % split in the year in that there's a bit of a slow H1 and then it all sped up in H2 to get to that kind of 21%.

48:51But you're right, the global top 10, United States, UK, India, UAE, Singapore, Brazil, Canada, Mexico, France, and Germany. So as you mentioned, like a huge spread geographically. Matthew, if I bring you into this one, is there any surprises on that list in terms of the kind of points Veronica made around like some emerging markets growing in stature? Yeah, I don't think so. So I think that what I find funny about these reports is the focus on pure capital volume. And you talk about things like finance, like these outliers that can really shift the country in one place or another, as well as there's this kind of counter indicated trend going on.

49:36So if you look over these reports the last three years, you see the recovery and total volume of dollars invested, but a decline in total number of deals. They reported in the same set of studies over 7 ,600 in 2023, 6 ,400 in 2024, and 5 ,900 in 2025. And so I think part of the mixed message here is kind of more money going to the top, right? Those 500 million to multiple billion dollar deals. And not only can they shift the country ranking, but also they're really focused on growth capital. And what concerns me is where is the next generation of companies coming from? Because those more smaller deals, which may be occurring in emerging markets, those are tomorrow's big players.

50:24And if you don't have that seed capital going on, where is this going to come from? So I'm kind of watching that other part of the trend as well and seeing are new companies starting in new markets? Are we getting new markets involved? We're getting net new companies involved? or is everyone just throwing money at the biggest players in the space? And obviously the kind of shift in regulatory environment in crypto has really accelerated that, as you mentioned, the second half of the year. But there's other things that need to be invested in and I'd like to see more of that. Yeah, absolutely. You can't keep throwing money at the same companies, otherwise the smaller ones just don't get the same start.

51:02Interesting that payments is the biggest sector for funding. I think that's been fairly consistent for the first few years. followed by infrastructure and service providers rather than direct-to-consumer offerings. What do you think we can read into that, Shah, sitting in that space yourself? Yeah, I mean, you know, I think, I guess, you know, like you had the first level of fintechs who had to build everything themselves and like the likes of Revolut and now we are seeing, you know, literally Revolut applications being built on some of our infrastructure in very fast time. So I think that makes infrastructure obviously be exciting.

51:46A lot of that is now possible as you can, you know, regulatory clarity, banks are more technology driven. And I think it could also be that people don't know where the market is moving, but they know that infrastructure is winning. So why don't we fund that and then kind of observe where the apps are being built, but I'm pretty sure at some point also the apps and the they will also be quite exciting. But also I think with AI obviously the question of what or not is is changing. I think the interface how we are going to deal with applications is going to change over the next 10 years. It's voice, speech, voice, speech or text.

52:32No one knows, but I think is definitely like a fast-moving space right now. So I think it seems like infrastructure is the right bet. And I think for a lot of these investors, it's kind of also good to know when you invest in infrastructure, you see also who is building on top of them and kind of what a market is going to be. Yeah, absolutely. And you mentioned Revolut there. Veronica, I know Revolut is a company you're always keen to discuss. Revolut's sort of role in bolstering these numbers It's sort of via that$3 billion secondary share sale, which was the biggest example of a secondary share sale in 2025, which was a kind of another method to get capital that really kind of took off in 2025.

53:22What can we read into that? And is this sort of a way of almost delaying IPOs or is there more to it than that? Yeah, I mean, there's two things there that are also quite interesting. I mean, a secondary share sale, it's a different type of... It's hard to say, right? It's a hell of a tongue twister. A secondary share sale is a different type of investment than a pure, you know, Series E equity deal. So I was surprised to see it included in the global total for the amount of capital invested globally, whereas the rest of the deals seem to be mostly equity based. But what this says about Revolut is interesting and it does indicate that they're smart and they're strategic.

54:10You know, this is a really great way to get a big injection of capital because they're at that stage of growth where they're going to need such an outsized amount of funding that another VC round is not necessarily going to cut it anymore. But if they go on the public market, they would be faced with such a level of scrutiny and regulatory overhead and then shareholder facing scrutiny as well that maybe they're not that quite ready for it in today's particular climate. So if they can delay that by a few months or maybe even up to a year when it looks like it's going to be a more favorable market for them and when they can get through that scrutiny more breezily, let's say, then they're going to do it.

55:00I think it's a strategic move on their part and potentially quite a smart one given the current climate. And if, imagine we're a year from now and enemy finance are compiling this report all over again, looking at the funding landscape of 2026. What do you think would be the key takeaways? Do you think it would be dramatically different from this year? And sort of where do you think the changes would be? The geographies, the amounts, the niches that are getting funded? I realize I'm asking you to predict the future here, but what's your thoughts? Yeah, I think there's a few things that would be interesting to watch out for.

55:39Matthew already touched on it as well as the geographic distribution, because the outsized deals can really shape how a market, how a country shakes out on the global stage. And there's always a few countries, China, Mexico, who tend to be quite turbulent, where one year they'll show up in the global top 10 and the next year they can be at number 20. So it's always interesting to see the global distribution. Definitely think that will change. I would be really interested to see what is happening at the Series A, Series B investment levels. Because it looks like seed level investment was fairly healthy.

56:21But what I want to know is what's happening at Series A, B. Is it that the companies who are applying for those funding rounds are not getting funded because their business model or their product isn't solid enough? are they being acquired by one of their competitors or some of the big unicorns like Stripe or Revolut or are using their technology? I want to know what's happening there. Okay. Well, lots to look out for. And I'm sure we'll have you back on throughout the year to kind of keep an eye on those things. And we'll be having this conversation in a year's time, I'm sure. But on that note, we're just going to take a quick pause here back shortly.

57:05Okay, now for a quick look at one story we don't have time to cover in full, which is that Nationwide fights back against scammers with a checker tool to highlight dodgy phone calls. This story was in This Is Money. Nationwide Building Society has launched a scam checking tool which will tell customers if they're on the phone to a genuine Nationwide employee or a scammer impersonating one. If a customer receives a call from someone saying they are from Nationwide, they can now use the call checker located in their banking app to check if they really are from the building society. The tool comes as customers are being plagued by eight scam calls a month on average, 17 % of reported scams, and scammers stole£65.9 million in 2024 through impersonation scams, according to banking industry body UK Finance.

57:55In the same week, Revolut has also launched a very similar tool on their app, joining the likes of Starling and Monzo who launched their own last year. To get some expert thoughts on this, we heard from our head of product over at 11FS Pulse, Joe Colchester, to find out more. Yeah, so this is a really encouraging announcement from both Revolut and Nationwide. Following on from the footsteps of Monzo and Starling, who rolled out this feature before, it's great to see this becoming a traditional UK feature now across banks. There's four of them, but I'm sure it will be rolled out more as customers ask, hey, why don't I have this?

58:34Why doesn't my bank have this? It's very, very helpful because it intervenes at the point of vulnerability. It's context-aware UX, and it comes at a very important time where AI technology is on the rise, deep fakes are on the rise, and scams are higher than ever, especially impersonation scams. so it's staying one step ahead and it's a feature that all banks try and include if they can.

59:07Thanks so much for that, Jo and we will be keeping an eye on that and see if many others also start to roll out the same feature it seems to be a very popular one at the moment and I'm going to take us now into our and finally section. One more fun story you might have missed this week but we think deserves a shout out and that is that Monzo are giving away Coventry City FC football shirts for one P or one penny to encourage responsible saving. This story on the Coventry City website and other places. For our listeners who may not be aware, Monzo are the principal sponsor of English Championship League men's football side Coventry City FC.

59:45Ahead of this Saturday's match and in conjunction with Monzo's 1P savings challenge for 2026, Monzo will host two pop-up shops in Coventry where supporters have the unique opportunity to purchase the official away shirt for just one pence when they sign up to Monzo. One pence is the start of the Monzo's one pence saving challenge launched this January where customers can save 1p on day one, 2p on day two and so on and so on until day 365 when you should have saved£667.95. The campaign with Country City is to prove how much impact a single penny can have and how easy it is to build lasting savings habits and turn small daily savings into something big.

1:00:28So what were your thoughts on this? Maybe coming to you first, Matthew, is this a good example of a brand partnership engaging new audiences, doing something positive? What do you think? Yeah, I think it's super fun. I love micro savings approaches. I think we've seen a lot of success with them with roundups and micro savings. It's hard for people to get started but once they see the power of compounding interest and and regular savings it can be really really powerful so I always love you know companies that are trying to do things here I was curious like you know football is a very serious topic and people have very serious feelings about their their team and so this picky is picking one team a problem for Monzo does it turn some people away but but I didn't think it was it was a fun approach and and definitely excited to see how it turns out Yeah, definitely.

1:01:20Shah, what were your thoughts in terms of this sort of attracting new users, new savings habits and making it feel achievable, starting with something so small as a penny and watching it compound throughout the year? What's your take on that? Yeah, I guess they are very much closer to their audience. I think Monzo has obviously a different audience than I would say Revolut. You know, everyday user, more simple. And I think a lot of them probably are also, I would assume, they watch football. And yeah, I think it's kind of a new way of doing it. Yeah, I think it's better than just spreadsheets or any other like rewards.

1:02:02I think this seems to be more real and I'm sure it also creates a bit more people talking about it. Yeah, absolutely. I think that brand partnership play is really good. Obviously, you know, you get a lot of these sort of fintech and football partnerships where you're just the shirt sponsor and then kind of all the brand does in a way. I think kind of actively getting out in the community and attracting a new audience who are tangential to the brand because they're already a supporter of the football team and they're the sponsor. I think kind of bringing those two worlds together is a really fun campaign.

1:02:41Obviously, it actually hasn't happened yet. It's coming this particular weekend, so I think it'll be interesting to see what the uptake is. But yeah, Veronica, what's your take? Have you done the 1P Challenge? Are you a Monzo customer or anything similar? Yeah, I mean, you're really pitting me against my fandom across the different neobanks. But no, I think I love it. I think Monzo just always get it right in terms of understanding culture, understanding their community. Because they've done a few layers of really clever things here. Like the 1P challenge in and of itself is a really fun way to gamify compound interest and teach financial literacy.

1:03:24So they get that. They get that for their audience. They've also gone outside of the London bubble. you know so many of the fintech unicorns really stay in in big you know in the london bubble and and they've gone outside of it they've always been really great at representing the uk regions and and they've you know done a really great brand partnership with with another beloved brand i actually remember being on this podcast maybe a year ago or so when monzo had done their partnerships with gregs and you guys made fun of me for never having had a sausage roll but But it's like they just always get it right.

1:04:03Have you had one yet? No, I haven't. Oh, sorry. I haven't. It's a really bad idea for me. But I'm now going to put that on my New Year's resolutions and I'll see how they do, Monzo do with this campaign this week as well. Fantastic. Just as a final fun question, obviously this is Monzo sponsoring a football team. Are there any other brands maybe from the markets that you're representing today that you would like to see sponsor a sports team. Any sport, it doesn't have to be football. Matthew, what would you say? Yeah, I think it's a really interesting point that there are lots of financial services sponsors of lots of sporting teams, and it is the patch on the jersey.

1:04:45It's not the activation. So I would love to see more activations. One that I think is fun, SoFi here in the United States, the stadium here in Los Angeles is SoFi Stadium. And if you have a SoFi debit card, or do you get access to a special line to get in and things like that? I would love to see them extend that to savings. I think that would be very cool. But I think going beyond the patch on the jersey and really making fans learn something is really cool. So I think here would have to be the National Football League. That is our largest sport. And there's just a bunch of logos today. That's all they've done.

1:05:23Sha, what would you say? who would you like to see sponsor a sports team? Honestly, I'm the wrong person to watch. I don't watch that much sports. So I actually know who's doing what right now. So sorry, I can't answer you that long. No, that's okay. Veronica, any thoughts from you? I don't know, but I'd like to see something Neobank sponsor like really niche sports, like pickleball, paddle, something for amateur players. I think it'd be really cool to see that. That's a great shout. They're also like the fastest growing sports as well. So like if you get in now, like that would be amazing. Monzo could be sponsoring the entire league.

1:06:05I think I'm making Greenback Highland. Yeah, that would be cool. Obviously Starling got in quite early doors sponsoring the Lionesses, the women's football team over here, who are fantastically successful. So that was a great one. Also very, very, very niche. But there's a Bulgarian tennis player called Grigor Dimitrov, who is sponsored by Payhawk, a Bulgarian fintech. And this is, you know, the combining of my two worlds in that I'm a big tennis fan and obviously working fintech in that I was watching Wimbledon and noticed that his sleeve sponsor was Payhawk, this Bulgarian fintech. So yeah, from a personal note, I'd love to see more of that, just like slightly random fintech partnerships on sort of tennis players at Wimbledon.

1:06:51That would be fun. But maybe that's just a personal want. So I will wrap the show there. Thank you so much to today's guests. Where can people find out a little bit more about yourself and your companies? Maybe start with you, Shah. So yeah, companies under NOAH.com. So NOAH.com. I believe the Twitter handle is NOAH, underline HQ. My personal Twitter is SHAH, S-H-A-H, Ramazani, R-A-M-E-Z-A-N-I. So SHAH, Ramazani, and same for LinkedIn. So it's just that handle, yeah. Brilliant. Thank you. Matthew? you? Yeah, thank you. It's been a pleasure to be here. I'm easy to find. Our company is totavi.com and you can sign up for my free cards newsletter at cardsftw.com.

1:07:44Fantastic. Thank you. And Veronica? Yeah, you can find out about Juice at getmejuice.com or just message me on LinkedIn at Veronica Maria Glebb. Wonderful. And as for me, you can find me, Laura Watkins on LinkedIn, on this podcast, or on 11fs.com. And that wraps up today's episode. Thank you so much for listening to today's show. If you like what you've heard, please make sure to follow us on your favorite podcast platform of choice. And if you really like what you've heard, why not share the podcast with a colleague or friend? And as always, if you want to join the conversation, find us on social media, just search for 11FS or FinTech Insider, or you can email me and the team, podcasts at 11fs.com.

1:08:27Thanks again, and goodbye.

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1:09:17Find out more at 11fs.com slash Pulse.