It's all sorts of facets of establishing a life in a new country: it's renting a property, you need a credit history to be able to rent a property. If you haven't got a UK credit history, you have to pay six months rent upfront, or find a UK guarantor. So obviously, both of those are just unpleasant experiences.

And mobile phones, we did some research recently with over 1,000, new to country people. And over two thirds want a mobile phone immediately. But again, they need to do a credit check. So they won't be able to get a contract, they'll just get paid you go or ceremony or something like that. So they'll suffer on that.

… one of the reasons that immigration is so essential to the US economy and to the US labour force is that our domestic population is not replenishing, our birth rate in this country is no longer outpacing the demographic shift as the older generation exits the labour force. And what that means in terms of US population growth is that today, immigration drives over 50% of the US population growth...

There are more people today that move to the US than there are people who turn 18 and enter the financial system… and so not having a dedicated strategy for how to attract and retain the recent immigrant segment is a formula to demographically lose market share over time.