And of course, very often a financial product, or some finances around this will be the consequences of what you're trying to buy or get in your life. And so that's really the approach that we've taken with our algorithm as well, that allows us to predict how much money a customer will earn over the next five years. And we've developed in essence, a platform on progress that allows users to set up financial goals and find personalised paths to either earn safe abode the way to the goals. And basically at ProGrad we use, as I mentioned, our proprietary models that matches users with solutions from different providers that could help them achieve their targets, including side hustles, flexible work saving accounts, credit card, car finance and many more products.

All of this with the idea that a customer never comes to progress looking for a specific product. Unlike other websites, where you come to your website, looking for specific credit card specific alone, we really think this approach will want to educate young people on different financial topics, and then really serve them with the right solution for their problems or for their goal. So customer can come to ProGrad, tell us 'ProGrad, I'm looking for £5,000 to buy a car'. Awesome, how can we help you get this? Yes, car financing is one option but can we maybe have a combination of you earning a bit of money through one of our partners, on top of you saving a bit of money and you borrowing a bit of money? All of this will allow you to find the most optimal way for you to have a solution to your needs.

And I just found it to be fascinating, because I saw the talent level of these individuals. I knew what their future potential was, even just with our company. And I realised that someone had to have been trying to solve this problem. At the time, this was just when a lot of lenders and neo providers in the US were popping up to give folks alternatives, but I really didn't find anybody on an international level... until I came across a young nascent brand in Prodigy Finance, based in the UK and with a big presence in South Africa, because our founder, Cameron Stevens, is South African. And I just reached out to understand what they were doing.

And came to learn that Cameron Stevens, who had attended INSEAD and himself encountered some challenges with putting together how he was going to pay for school, had that classic story of going to the bank and saying, hey, will you help me with a loan for school? And them saying, sure, no problem, go ahead and put the same amount of money into the bank as collateral and we'll give you a loan based on that... and he said, well, if I had that money, I wouldn't be coming to the bank for help with financing! And then once he ultimately got to school, the following year found that not only was his story pretty common amongst others, but there was a considerable amount of students who had applied to school that actually couldn't even consider attending, because they didn't have the ability to put the funding together. And so it really just resonated with me and what they were trying to do.