So yeah, to kind of summarise our mission: we want to improve the credit health of millions of people by building the world's best credit builder.

And so how do we do that? We want to make sure people are on the proper path to good credit, which is our tagline. And I think when we started talking to customers, and first of all our customer base tend to be quite tech-savvy Millennial or older Gen Z. And when you chat to them, many of their parents have gone through the 2008 financial crisis and credit crunch. And from that very traumatic experience, those parents have educated their kids to say, 'don't trust credit cards' or 'be wary of any form of interest-bearing products'. And it's very endemic in the mentality of that generation. I think it's 50% of this segment of the population don't trust credit cards.

So that's a really interesting insight. And what we wanted to do was then think about, well, people still want mortgages, right? Our customers still have long term financial aspirations, what can we do to design a product that feels fair.

We're a platform that connects people with the professional help they need to become debt free. We help people with credit cards, medical bills and student loans. So the user, they'll go on to our platform, we have what's called our Smart Debt Analyzer. It asks the user questions about their types of debt, total debt, what their main goals are, whether it's to lower their monthly payment, lower their interest rate, raise their credit score, and then based off the answers to those questions, we connect them with the relevant company, or companies, that can best assist them with their debt.

There's no one-size-fits-all solution for anyone in debt, everyone's got a different credit score, everyone's got a different income, everyone's got different financial goals. So we want to lay out their options in front of them, you know, the pros and cons of each. Whether it's credit counselling, debt settlement alone, we want to be that educational partner, inform them on all these options, because once again, a lot of people aren't sure the difference between those three, and then ultimately, they can decide for themselves what's best.