Building an all-in-one credit platform, with Ash Bhatt

And slowly and slowly, I think I always had that entrepreneur bug in me and that's what kept pushing me towards fintechs. And I think Revolut really put the gas on the fire and said, go and do it. Because you're surrounded by so highly aspirational people. So the story is still the same, which is I want to help people who want to build their credit, not just in the UK, but in any country.

And validation came actually at Revolut as well. When I was head of lending for both UK the US and I was scratching my head, trying to join up the data from the UK in the US. I met the bureaus, which you are from - not TransUnion, but one of the bureaus - and I tried to force them into a single contract. Why doesn't the credit bureau in the US speak to the credit bureau in the UK and give me a single contract, because it's the same consumer?

They wouldn't. They would like to sulking sisters, they don't want to see eye to eye.