1032. News: Revolut heads to Peru, Stream raises $90m, and… are you dead?

29:28This is what you're spending on an hourly basis. That is checked four or five times a day by people. It's incredibly engaging, especially if you're a shift worker, you don't know what you're going to get paid every month. So that visibility is key. And then you get all the way to the other end of this, But with pensions, no one hardly ever checks their pension. It's hard to check it if you haven't, you know, got a nap. But why isn't your pension a part of your financial, you know, pie? Why aren't you checking that? Why aren't you making sure you're optimizing where that fund sits in terms of the return and stuff like that?

29:56So I think the new world of pensions is going to be very much visibility, getting people to understand what their pension pot is, getting people to see how important that is for their future life. And right now, I mean, I don't even ask everyone on this call, how many times you check your pension, And A, or have you ever tried to consolidate your pensions? Because we've had investors cry in front of us trying to consolidate pensions, right? It's a very difficult thing to do. And therefore, why can't that be a better world for people? So I think that's how we look at it. And I think it should be much more engaging than it is.

30:31And right now, it's not. It really isn't, no. Nicola, I was keen to get your perspective as well. I mean, have you seen anything similar to Stream in your markets? I mean, again, maybe this is our pitch for Peter to come to Latam. We're coming to Peru. It's coming. Please. Revolute beats to it again. They keep paying us to this country. No, it will be amazing. And I have a question around beside visibility and how you spend money and how you earn money. I think financial education in your value prop has been part of the product from day one, right? How this education and coaching part evolved since the pandemic the first investor or the first MVP to these days?

31:16And how are you planning to evolve with this round, this very important part of your value prop, like financial education? Yeah, no, it's a great question. I mean, it's massively evolved because the more data we have, the more valuable our financial coaching tools can be, right? I mean, we start with visibility. So if you are a shift worker, often you don't know what you're earning that that pay cycle right you've got different shifts different rotors different overtime amounts so showing people in real time what they're earning linking it to their spend through their current account with open banking gives that visibility and that's the first stage for us in their financial you know in in financial education and coaching and then you can tell you know we can show people for instance look in two weeks time we can see what you're going to earn you can't we can see your the shifts you're going to complete this pay cycle, we can see how much you're going to earn, but you've got a Vodafone bill that's due in a week's time.

32:14That's going to take you into overdraft. A, you're going to pay overdraft fees and B, and these are just prompts. And do you want to do another shift to cover that expense? So you can really coach people in terms of what their financial picture is at any one time. And we find that very valuable. We started with, you know, our financial education product was more like static, you know, product, static reading materials. But we quickly realized no one gets home from a day's work and wants to read the budgeting brochure your company sent you, right? So we really like our coaching to be, you know, all AI driven now, but real time information based on your personal financial situation, and also prompting you to, to try and do different things.

32:56I mean, even things like savings, we found, you know, when we try to deduct from people's salary, there was more friction there, people didn't quite like, oh, don't, you can't take any of my salary, but we can round down people's shifts because we see everyone's shifts. And that went from like a 5 % participation rate with workforces to 40 % because it took all the friction out of savings. So now, you know, in the UK, we've got hundreds of thousands of people saving for the first time in their lives, whether in the hospitality, retail, healthcare industries, and then we're educating them on what you do with those savings.

33:27We put it into a high interest account for you, you get daily interest. So for us, education is much more trying to take action rather than just read materials. And as you know, the data we have now is so rich that everyone's financial life is different and everyone has different needs at different times. So knowing what those needs are and then providing educational tools around that particular need is the way that we get really engaging educational content. And I know when our clients see their workforce building up these big savings pots makes a huge difference to how that workforce feels about their finances.

34:01So those are the benefits of it, I think. Yeah, it's phenomenal. It's phenomenal. Well, I mean, congrats again on the raise. I think I can speak for like the whole panel and probably like the whole of 11 persons saying congrats to the team. And yeah, really excited to see what you guys do a bit because I think it's pretty apparent that there's huge potential to this as a way of intervening soon. Well, we'll try and find the lost 31 billion before Rachel Reeves gets her hands on it. Let's try and fix the economy. The race is on. Or before Revolut reached 100 million, we'll see who can do it first.

34:29Yeah, or before Trump takes it considering he's taking everything else at the moment. Well, on that note, we're just going to take a quick pause here. We'll be back very 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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35:56Now, a quick break from the headlines for something we've just announced. We're bringing Fintech Insider News, the very podcast you're listening to right now, live to London's Village Underground on Tuesday the 17th of March. Hosted by David Breer and Ross Gallagher, it's your chance to spend St. Patrick's Day with your favourite Fintech Insiders, plus over 200 other Fintech nerds. If that sounds like your kind of night, grab your free tickets now at 11fest.com forward slash afterdoc. And now back to the news. Okay, our next story we've taken from the papers, and that is a firm to provide buy now pay later to cover rent.

36:29Buy Now Pay Later company Affirm has been planning to roll out its installment loans to renters in collaboration with Isuzu. Isuzu delivers financial education and credit reporting assistance and emergency zero interest loans to tenants. Affirm say that select renters who choose to use Affirm through Isuzu can apply to pay rent in two equal payments every two weeks at 0 % APR with no hidden or late fees or compounding interest. Affirm underwrites every application individually and it approves people for what it believes they can responsibly afford to pay. The initiative is currently in its pilot stage and is yet to be formally launched.

37:04Peter, is it fair for me to come to you first on this one? I mean, I'm intrigued to see this obviously a market that you're entering and it's probably going to have an overlap with maybe some of the types of individuals that you're offering could support as well. What was your take on this? Yeah, no, it's interesting. I don't know, you know, how that's being secured. But yeah, it's like, almost everything you purchase now online has a BNPL component to it. So it's natural that I guess this would also feel out to other big payments in your life. I mean, rent is, depending on, you know, where you are in the world, it's probably your biggest single outgoing from your wages.

37:44So, you know, it's just making sure, I guess, that it's done very responsibly and people don't, you know, on as, as with all these things, you know, take renting, you know, spending money on rent that they, they can't afford. And then you're sort of building up a big debt pile over a period of time. So I think that's probably the biggest challenge, uh, for that one. Um, but hopefully they've got safeguards and, and vulnerability stuff, uh, you know, structures in place, but yeah, it's, uh, it's, it's a big purchase. It is the biggest purchase for many people on a monthly basis have their biggest outgoing so um yeah proceed with caution yeah sam what did you reckon of this one yeah it's an interesting one on a personal level i it makes me a bit jittery i i don't i'm not the biggest bnpl guy with my personal use i'm i can see it's pros and i cover the market a lot and i think it's it's a very uh necessary um market function but me personally i i just not someone who i like to pay all off straight away i don't like some big ticket items make sense but i know something about your rent as well just would feel quite unnerving doing it but i just i think it speaks to like a bigger narrative around bnpl and i think globally though it kind of depends where you're looking at how the narrative is shifting i think here in the uk especially with like the regulatory crackdown it's kind of been um they've kind of been slapped down and like had a little slap on the wrist a lot of bnpl firms despite not doing anything extraordinary i mean there's obviously there is some cases but um they kind of came out swinging the regulators for the bnpl firms in a way that was maybe not warranted i mean they called it like the wild west and don't get me wrong there is obviously a lot of uh that element to it but there is a need for a functioning bnpl market Now, if that includes renting, I don't know what ventures with personal philosophy and also what's needed for the market.

39:38But it goes without saying that I think it opens up a lot of access for people. And I think it's like a necessity in the market. Yeah, I totally agree. I think buy now, pay later is moving from nice to have purchases to essential expenses in this case, right? And I imagine this in Latin America, it will be a great feature because a lot of problem with rents in LATAM is an overspend and it's more about cash flow timing, right? You have 60 % of population under bank informal. So I think this will create a second scoring to people have more access and to have a better cash flow structure for their payments.

40:34And so yeah, I think if they launch here will be amazing to see how it goes. I think, yeah, I think we've summed it up there, but the way it's embedding with these a lot of big, not just big ticket purchases, we're not talking about a laptop here, we're talking about your rent. And I think that speaks to a bigger thing like BNPL isn't a problem. It's actually a symptom of a bigger problem that people need to use buy now, pay later on their rent. I mean, I think that speaks to something that probably goes a bit beyond fintech, but it's a bit interesting that that's a market. And I mean, I guess if it's appropriate for companies to be capitalizing on a demand like that, where is this demand coming from for BNPL to be used for rent?

41:18But then I guess, again, it speaks like a bigger thing. If it's okay for people to do it on a laptop and open up access, then what's the difference with your rent? But I do think it speaks as like a symptom to a bigger issue in global economies. I think, yeah, I mean, there's also a customer element to this as well. Like I think, I know we know, I don't obviously know the founders at Asusu personally, but we've definitely had them on the show in the past. We know that Asusu in particular are a very customer-centric organization. They've worked for a long time with renters, helping them to use those rent payments to build credit files to kind of fill gaps in sort of thin credit files.

41:54So I feel like it will be driven from a good understanding of the customer. But I suppose your broader point, Sam, about, I think just with the whole emergence of fintech, managing money on your phone, the movement away from cash, I think especially for these lower income workers, it's become so much harder to manage your money because your money ends up spread across lots of different places. You know, you have your salary that comes in one day, but then your bills will come out on different days. You know, maybe in the past you had a physical, you probably had a physical pot of money. And that was, you know, your physical cash salary that you would earn.

42:26and then it was really easy to track. It was really easy to see what was left and what went where. And people used to see lots of examples of people going back to the seven jars where you put your physical cash in jars. I think there's so many positives in the fintech world and using all of these digital platforms. But actually, for people that have the greatest pressures on their salary, I think the mental burden can be huge. Yeah, I thought about this from, like I'd rather you sort of pay your rent daily. So if you see how much you're earning every day, because we have that shift information, then breaking down the amount you earn, this is how much of that shift goes to rent.

43:04This is how much goes to your bill. So people have total clarity over their earnings and their outgoings. And I'd rather sort of people pay their rent daily. And then, you know, then you could do another shift and whatever. And then you end up at the end of the month, actually, of paying for that. But it's and but yeah, it's a it's a challenge for everyone. Yeah, it's kind of like what percentage of your salary is already spoken for, I guess. That's right, because people don't naturally think about that. But actually, in some cases, it could be much more of a portion than you want it to be. So it's just knowing that is part of the reason for solving it sometimes.

43:38Yeah, I think it does make a lot of sense. But when you've got these people who are like so many in a cost of living crisis, I guess living paycheck to paycheck, it just amplifies a lot of those pressures. but I don't think I have any doubt in my mind when you look at some of the companies I mean, look, Klarna, you can never mention BNPL without bringing Klarna into it their intent, like, it isn't just right it kind of has to be right because I think they are so, like, highly regulated and I think a lot of these firms, a firm included hold themselves to such a high regulatory standard so when we are getting this crackdown in the UK and they're talking about this Wild West it's quite interesting because Zilch and Klarna these are people who've already been adhering to quite high regulations And so, I mean, Zilch was one of the first to be already prescribed by the City Watchdog, the Financial Conduct Authority.

44:23So it's, yeah, I think the BNPL landscape is very interesting. And it's no coincidence we're seeing a firm like Klarna try and quietly ditch that label as well, but while still continue to operate in that market because it is a booming market. Yeah, no, absolutely. And as you say, as Nicholas was mentioning, I think as more markets become more and more developed in the fintech space, I think we're going to see how Buy Now Per Later is applied evolving as well, because each country will have its own cultural context, its own specific customer problems that it can be applied to, hopefully, for good customer outcomes.

44:55But I'm sure we'll see some mishaps along the way. Okay, well, we'll keep an eye. Obviously, it's only in pilot, so we'll have to see what comes out of the pilot and how it's applied, but we'll keep an eye on it. Our next story comes from City AM, and that is Wise Reports jump in users ahead of US dual listing. Wise recorded a 26 % surge in cross-border volumes to£47.4 billion in its latest quarter as its customer base swelled. Wise said it now served nearly 11 million users, up by a fifth from the year prior. Wise shocked the city last year after announcing plans to ditch its primary listing in London in favour of New York.

45:31It now expects to complete its US dual listing in the first half of 2026 as part of its mission to accelerate global growth. sam again just you know being fair it makes um you broke this story for city am so um what what beyond just what was in the stories you wrote it what was your take on this what does it say about wise's long-term ambitions yeah this was a really good update for wise i mean we're coming this was third quarter and we're coming off their half year and just compare it i mean the best way to summarize it so wise i don't know how wise shares closed up yesterday but they closed up pretty high i think at one point they were up eight percent i don't know if i held that throughout the day.

46:06But it was a positive market reaction. Let's compare that to half year, they were down 10 % after the update, they managed to claw that back and only finished down 1%. But it just goes to show you those brash market reactions when the market first opens and we digest the result. That's a lot of the times how we interpret this like these raw numbers. And I think this was a good update for wise, it was also a surprising one. Again, at the half year when we compare that back, profit was down i think it's at 17 on the year prior they'd flagged a lot of administration costs i think they were up 27 percent um and this this cost of this dual listing that was going to be a really big thing on uh in the forthcoming year for wise so the expectations were working low but the expectations were from half from the half year were like they'd set them that it was gonna be a costly for this expansion and this wasn't anything particularly concerning because through a cost they were prepared for, but it didn't, when they then would come out in the third quarter and say, actually, our previous profit target were going to be at the top end of that.

47:07That was probably the best thing they could come out and say when we were more expecting maybe a bottom end or a medium. Obviously, you said it right there, the cross-border volume is going up 26%, but they're major bumping users. I think it was a pretty good update for them. I think they've come out of it probably quite strong. And now they're looking to really seal the USG listing in the first half of 2026. And I think the team said they were on track for that in the update. So yeah, I think it was quite an upbeat one for them. Oh, Sam, I was going to ask you because you're the man in the know about this.

47:37So did they, why did those cross-border transactions go up so much and they use it? But have they done anything different? Or was it new geos or was it something else that drove that growth? Because that's pretty phenomenal. To most, on genuine specifics, I have no idea, but I imagine it would tie in to just a higher volume of users. I know the expansion's been, they're another one really pushing forward with the expansion. And I think people really underestimate how global-wise is as a brand. And in the US specifically, I think a lot of the numbers came from the US. Not entirely certain of that, but I think, I mean, when you're growing more, obviously more users means more cross-border volumes.

48:13But yeah, 26 % is quite a pretty strong one for the third quarter. And I think that's really helped them pick it back up after a costly half year. Yeah, I mean, definitely don't have the precise numbers, but my understanding was that they're kind of having resbick attraction in the US. They're also kind of moving into, I think they're just starting to kind of set up operations in Mexico, growing rapidly in Brazil. Nicolas, do you have a perspective on WISE and LATAM? Yes, I think they also have a great opportunity here. But my take on this news is, I think WISE is thinking much bigger than Europe now.

48:53the growth in numbers are very solid but the real story is the US dual listing is basically saying this is where our next chapter happens I think and also it's about access to deeper capital market to be more aligned with geography and product strategy I think that's a clever strategy. And also Latin America is, I think, for those players, are empty space right now. You have oligopoly, like I said in the Revolut news, you have oligopoly banks there and there is no clear winner at the moment. And it depends on the product that you are launching and on your value proposition. I think Wise has a similar value product that Revolut in that space.

49:49So if WISE wants to tackle Latin America deeper, they need to have more presence here and they need to understand the type of economy that moves here. And at the end, this is about focus and execution. Everyone's coming to Peru.

50:11Not just Paddington. But yeah, I mean, obviously, it's been quite a dramatic time for WISE, right? when they announced the splitting of the listing, you know, it created a split between the founders, you know, the co-founder. One of the co-founders ultimately ended up leaving the business after trying to encourage shareholders to vote against switching to the dual listing. So, I mean, Sam, you know, is this, was that sort of split as much as a surprise as the listing? It's quite impressive that they are seeing these numbers despite having had so much turbulence internally, right? Yeah, I mean, the founders one was an interesting one because I think, so, I don't want to butcher the names here, but I think it was Henrikas.

50:52He left as chief executive a couple of years ago, but he maintains a 5 % share through his investment vehicle. Now, his problem wasn't necessarily with the listing. It was the way they were putting it through. They were putting it through as a package that was going to change the voting rights. And the voting rights, I think the way they work is they have a super voting right where certain shareholders have a bit more of a 10 times authority on their super vote. And this was going to extend by 10 years, the super vote. And they've kind of packaged it in with the transfer of the listing to try and subtly slide it through.

51:28So the big headline was one of the co-founders is opposing the listing. In a sense, I don't know how much it was to do with the listing, but I know it was a lot to do with the package of the shareholding vote. But I mean, when that came down to it, it caused a bit of drama, but I think it passed by over 90%. So it was never going to cause waves. It was really the announcement of the dual listing. But I mean, it kind of rocked and it still has continued to now. I think it's one of the most significant stories I've written in the last year in terms of the fintech realm because it kind of, anytime I meet a fintech who's a listing hopeful, who the chancellor's probably really hoping to call for the next cohort of IPOs in the city, I always think, well, what about Wise?

52:08and um one of the boss of a fintech unicorn recently told me that the wise path is probably the path that we see a lot of fintechs and that might even be the sense that some do float in the in the city they list in the city but then they're gonna they're gonna scale up and then take that all that liquidity over to the us because that's where they want to go i mean nicholas touched it on it earlier wife said they want an access to deep liquidity and if you're going to do that it is going to be New York at some extent. I mean, despite all the government initiatives that they want to do right now, Wise did lay the issues quite bare and it was a brutal kind of assessment.

52:46I think I was on the media call the half year and I asked him about it because there were some rumours, I think, that Wise was going to try iFootsy 100 promotion at some point and really progress from the city market. And I asked him, I was like, what was the difference? and I think they're sending their report as well. They're really now looking for that major US indices. So, I mean, they basically, when you read between the lines, it's basically saying Nasdaq over FTSE 100, which is quite a cruel assessment, but it's also a bit of a kick up of the arse, I guess, as well. Yeah, I mean, Peter, I'm seeing lots of head nodding.

53:19Well, no, Tavit's one of our investors, actually. So everything he does is right and correct. We all support this. Whatever he votes, we vote with Tavit. No, I'm kidding. No, I think, look, I mean, it's a great bit. I mean, yeah, there was a bit of back and forth with that, but it was more around the voting rights, as you rightly said. And I think, you know, at the end of the day, it's a great business. I think it's going to do extremely well. It has got that same foundation, you know, remittances as Revolut, right? So it's interesting. They've sort of founded that, and then they've obviously built on a set, a neobanker top.

53:51So it's going to be interesting. They're sort of, this competition is, you know, started in London, but it's playing out globally now. from Revolut and Wise and stuff. So it's going to be really interesting if they can actually capture market share in the US as well, which has got dominant players like Time. So it's very exciting. Really, very exciting. I mean, all FinTech news is exciting, but I feel like we've had an excellent run of all of them. Lots of excitement in particular today. So, okay, on that note, we're just going to take a quick pause here. We'll be back very shortly.

54:26Okay, now a quick look at one story we don't have time to cover in full, but still deserves a shout out. We've taken this one from FSTech and that is WeLab raises$220 million in HSBC backed funding round. Hong Kong based WeLab has closed a$220 million Series D funding round backed by HSBC among other investors. It is their largest ever single round. WeLab hopes to use the investment money to increase its presence in Southeast Asia, diversify its product range and acquire more customers. It already serves more than 70 million individuals and over 700 businesses across Hong Kong, the Chinese mainland and Indonesia.

55:01The funding will also support the company's ambitious AI strategy and Google AI partnership, which they intend to embed in all areas of its business. Well, yeah, I mean, just another big shout out to the WeLab team. It wasn't the reason why we included the story, but we did actually work with the WeLab team a few moons ago in the kind of very early stages of their product development. And I think they've got a really great, great proposition. And it's also good to give a shout out to the Southeast Asian market. Obviously, we've talked a lot about Europe, the UK, North America, LATAM, but also just phenomenal growth and exciting things happening in Southeast Asia as well.

55:33So really excited to see how they deploy the raise. And yeah, I think interesting really to see how the devices went across Hong Kong, the mainland China, and also Indonesia, some really divergent and different markets as well. So excited to see how they roll that out. Okay, and finally, one more slightly weird, no, sorry, very weird, story, which has taken the internet by storm this week. We've taken this one from Gizmodo, and it's an app called Are You Dead is climbing the Apple charts. Are You Dead is climbing the Apple App Store charts in both China and the US. How does it work? Well, users tap a button each day to confirm they're alive.

56:14Miss two days in the app emails and emergency contact. According to the article, it's gone viral partly because of its blunt name, but it's also tapping into a real trend more people living alone asian populations and families spread further apart i mean first thing so i mean i guess you know us and china so probably unlikely does anyone have it anyone got the app i don't but now i feel i have to get it and i have to tap in otherwise yeah yeah um nicolas are you gonna gonna be looking for this in in latim i think there is a huge opportunity also there like like everything but at the i this app shows that people perhaps don't always want complex solutions and perhaps people it's tired of really complex solutions and they want to and also is in the intersection between low friction and um more people are living alone populations are aging.

57:19So there is this quiet anxiety around what if something happens and nobody notices at the end, right? So it's really interesting that right now is on the top of the charts. I think it's a fad. I think it's a fad. Yeah, I mean, it always seems very novel, right? But what do they do next? like you know it's once the novelty of not being dead wears off like what's the next thing they add to the app or is it just a one hit wonder that's right yeah exactly are you dead are you nearly dead are you ill are you feeling a bit off are you ill yeah yeah Sam what about you what do you reckon you know what like I do think it's a fact it's not something I imagine we'll be talking about in a month's time but I actually think it's quite good like I think in a sense obviously there's a practicality element to it but I also think it opens a bigger discussion because i guess my first thought was yeah it might be practical but it's a bit of vulgar name but also it's not like i i think it does spark like a bit more of a social conversation like are you dead but like we should be having these a bit more like frank conversations i've just been a bit not not i guess not about i'm hoping people realize i'm not dead yeah but like but just being not able to talk about if you're doing it with someone like a relative who like lives alone or something not being able to talk about death is just like taboo thing not to get really sociological on you, but like not being able to talk about it as some like sort of taboo thing and just like, oh, check your app today.

58:49There's a funny element to it. There's a practical element to it if you've got like an older relative who lives alone. And then also, I think it really does like dilute the taboo and the fear around it. And I think it opens a lot more human conversations. I mean, that's quite a deep answer, but I actually think there's a lot of net positives, but I don't think it'll be here in a month's time. Well, they're talking, I mean, they're talking about renaming it. So, I mean, Peter, you've been here. with a rebrand. What's your advice to them? Well, I'd just say, I don't want to rename it Dead. You wouldn't want to shorten it.

59:19We went from WaveStream to Stream. So I'm sure they'll come up with a more innovative name than that. But yeah, they probably need to think about what another product is because I'm not sure Are You Dead is going to last too long. So maybe they need to expand their range. I think they need to go to just Are You. And then it starts with Are You Dead? And then the next thing could be Are You something else? Are You Hungry? Are You Hungry? Are you hungry? Are you awake? Email someone, but you're hungry. I like that. Look, this is it. We've given them too many ideas. There'll be a couple of charts all year.

59:50Their consultancy fee will be hitting their desks very shortly. So, I mean, is there anything FinTechs can learn from this stellar success story? Well, I think, like, Nicholas nailed it. Simple works. Simple works. Take things, taboo subjects, de-stigmatize them, make them fun. I mean, we saw, you know, we had, you know, lots of advertising campaigns, I think, with, I'm trying to remember the name, there was an, oh, it's going to kill me now, I've forgotten the name, there was a great insure tech that was doing, doing something very similar, oh, it's going to kill me now, okay, well, listeners can email me and tell me the name of it, because I'm being silly, or maybe, oh yeah, just the producers arrested me, Dead Happy, there we go, that was, they did some cool stuff in this space as well, thank you, thank you, production team.

1:00:36Well, that brings us to the end of today's show. Thank you so much to today's guests. Where can people find out a bit more about you and your companies? Nicolás, I'll come to you first. Yes, thank you very much again for having me. You can find more about ADN in our website, adn.bc. If you're a startup in Latin America, in the fintech, a prop tech space, we want to hear from you and you can apply from our website, So thank you very much again. You can find me also on LinkedIn, Nicolás de Pache. And see you in Mexico, in Mexico, in Peru, in Argentina, guys. Yeah, you just send me the ticket and I'll be there.

1:01:18I'll be there. Sam, what about you? Well, thank you very much for having me. I already look forward to making my return. You can find me on Twitter posting at Sam Norman writes on LinkedIn at Samuel Norman, or you can find me on the pages of CTAM online at CTAM.com or in distribution bins on Tuesday, Wednesday, and Thursday around the city of London. Fantastic. And Peter? Yeah, you can find everything you need to know at stream.co, but my advice is if you want flexible pay, if you want the best savings rates on the market, if you want the best credit products, if you want to find those lost pension pots, go and see your HRD.

1:01:51We work exclusively through employers and demand that he or she launches Stream immediately. We're going to see a wave of sitting protests around the UK now. Oh, yeah, absolutely. And we are not responsible. We don't bear any responsibility at all. And as for me, you can find me on LinkedIn, Kate Moody, or you can drop me an email, katellenfest.com. And that wraps up today's episode. Thank you so much for listening to today's show. If you like what you 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 a friend?

1:02:23As always, if you want to join the conversation, find us on social media. Just search for 11FS or Fintech Insider or email podcast at 11FS.com. Thanks again and goodbye.

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1:03:19Find out more at 11fs.com slash pulse.