What was that journey like?

Yeah.

So when they had originally reached out, the leadership team at Barclays, I was so stuck in it, Starling, and just loving it.

I really didn't want to consider moving anywhere.

But they asked me to come and network with the leadership team and get to know them.

And what I found in that process was that the C-suite of Barclays was very switched on to what digital enabled for consumer outcomes.

And they really wanted to bring that magic into Barclays.

Tell us a little bit about KWOOD and what you're doing now.

But really, I mean, this is all about consumers having the confidence that they're not gonna be locked out of, um, you know, all of the things that they've taken for granted for a really, really long time.

Yeah, I mean, I think that's completely fair and accurate.

I will say, like, I think when I was at Starling, when we were building it, it was still kind of in the wake of post-financial crisis, and people trusted banks in terms of, like, FSCS protection, but they didn't necessarily trust them to have their best interest at heart, and I think that's actually where the challengers came in.

So it's like, to your point, like, people want to be able to fundamentally understand what's going to happen, trust that they can access their money, trust they can make payments, trust, you know, the fundamental ecosystem.

And at Starling, we differentiated at the time by getting our full banking license, and what we found is that it was really that element that enabled people to fully bank with us from the beginning.

Whereas with, you know, Monzo and Revolut and other neobanks, they would top them up, and that behavior has stuck, so they don't have the same amount of deposits if you look at their annual accounts.

So at Starling, immediately people would ship the full 85,000 in of the previous, you know, FSCS protection limit because they trusted because of the regulatory system, because of the environment, that we would ensure it, not just because of who Starling was and how easy the user experience was and how habitual it became.

Yeah.