00:02:09 · Nik Storonsky, S1
[00:02:09] S2: I knows interessant I det så boot banks and statups og waring sueds. [00:02:17] S1: Alderstart ups. And Consultents. I oddeur categories. Ja, tri people, odde in oddeur. Så Nikolai, you founded Revolut innen twenty and twenty fiftien. Yes. It's know valuedd one points. Time. You have 3 milen customers. You claymedat you'e ate tows new customers exdd. Jur Russion Born, jav with digre from in fysix from The Mozco Institute of Fysics and Technology. You have achampion swimmer. You a juice you work as a trader att Leeman Brothers wined børst. En after that jury for credit criss. Why that youquic your jobb 2 start Revolut? [00:03:18] S2: Men bacon bacon bikkam boring 2 well sia, så jeg tyssever I hvert fall industrien den out the finational crisis. Vi just bekeme ekstreme politiker, caltjø, dekarated. [00:03:30] S1: Men banks bekeme boing? Har, hadde det just the be col? [00:03:37] S2: Ja, ja, det just a be col. I foy you a go 2 in it graget event at universtis. You seal ikke out of banks recruting in the beas gredgets. I thing a this is a gonna all all beas gredgets a go 2 statups. [00:03:52] S1: Så what you you do, men you wirte at Limar Ruthers? [00:03:55] S2: Traading, så what you ruts trade. [00:03:57] S1: Trader, ruged trader? [00:03:59] S2: Ja, ruged. [00:04:02] S1: En, 1 what is the problem with banks 2 day? [00:04:07] S2: Well, is, jeg tenker det, det, det, blir ikke noe 2 politikere 2 beyck. I lot of corporate leas and the, jeg tok med 2 og sende, tenkte, få ting commities 2 lungey new product thrite. It just it is is it is is is it is it it is want.
00:04:07 · Nik Storonsky, S1
[00:04:07] S2: Well, is, jeg tenker det, det, det, blir ikke noe 2 politikere 2 beyck. I lot of corporate leas and the, jeg tok med 2 og sende, tenkte, få ting commities 2 lungey new product thrite. It just it is is it is is is it is it it is want. [00:04:28] S1: En is the want you want you do [00:04:30] S2: som thing with? Well, jeg hvis du want 2 have vi noe much flight astracture, ikke is også miratacriatey criate. Vi coally look at banks, majity of people the the naturally producing. Så my my my vi few health, in no, population in in bank in world, det er min navn, nothing watch. [00:04:48] S1: Så heaf of the people working I banks er axally producing samting enn the haf is not natur. [00:04:54] S2: Ja, det er litt 30 prosent produsent samting. [00:04:56] S1: Only, 30 prosent. Interessing. Interessing. Så, så bare in the start. What with you like me new startet Revol? What with you biges challenge? Biges challenge? [00:05:08] S2: What with you like in the down shifting from byteful trading inflow til rocking the stabbox. Og det er også like veldig different experience capered 2 trading. Jeg ventet med problembaout wone is a just. Jeg den inte 2 fine way. [00:05:23] S1: Men våt gave you 2 confence 2 do it? [00:05:28] S2: Er det konfidence? [00:05:30] S1: En, I know, I know that you have gotes question befor. Ja. Bhat the geopolitisk noise situation between Russland and the EU. Har vi møtt en ny challenge, being rutionborn, entreprenør, startering I bank enn the UK? [00:06:06] S2: Så just don't there and the stead soquisions.
00:06:06 · Nik Storonsky, S1
[00:06:06] S2: Så just don't there and the stead soquisions. [00:06:09] S1: Ja, okay. Så vi skal jo tolke litt litt more bagns. You sad at you never seen a big bank do endating col. Quoles eftery died, you woodn exist. [00:06:21] S2: Ja. [00:06:21] S1: Ja. Du still believe sove. [00:06:24] S2: Ja, just because Banks. Det er jo å si Benken mener jeg sa at designes and engineer, så det er sånn at det har rung skills til å produsere produkt. Du produserer jo noen bryllup, så du ikke har engineers designenes product onance. Hvis vi ikke skal benk managers It's the roong tape of skills. [00:06:49] S1: Pod the banks sa vin doing all that of that leatly recuring that typ of people staring 2 2 2 move datirection. [00:06:56] S2: Ifram and branded design ageny why what the go 2 woke for bancright. At the go 2 woke and statup. [00:07:01] S1: Why? [00:07:03] S2: Well, changeing the world in a all listnings. [00:07:06] S1: Ja, but, ja. Butted banks the many wateht, så det kan pay for the beste people. [00:07:10] S2: Stataski the alfs people. [00:07:12] S1: Ja, jeg tror. Butt the tradisjonell banks. You sett at the tradisjonell banks approach the innovation and digitalisering is wrong. Hva, hva u is at wrong? [00:07:26] S2: Vel, så wad projsent digitalisering. Det vi just hea, Mackincy advised 2 built sand digcial project. Den har jeg NADA også sin kamp I nytt design. Den har også sin kamp I nytt 2000 Can Da develop it. [00:08:00] S1: Kan du si det at det er arder andy banks, det er axley approaching the the digital transformasjon and the good way?
00:08:00 · S1, Nik Storonsky
[00:08:00] S1: Kan du si det at det er arder andy banks, det er axley approaching the the digital transformasjon and the good way? [00:08:09] S2: Welly fourluket thain. Welly notrally banks, but will cheat eller pay. Jeg tenker det er du inte right way. [00:08:16] S1: What ways da? [00:08:18] S2: What the små approaching banking altså product not is or organisation. [00:08:24] S1: Så banking altså product not is or organisation? Ja. Så product or organisation I stedet av? Yes. Ja, and what the product orugentation uck like. [00:08:33] S2: Og så hvis det er addk is technology right designes enginees, product ownance, alfak of IDS. Så det, det 1º bildeprodukt enn den de fikk out of the inteums of legcelation, men den risk as awell. [00:08:51] S1: Ja, så det, det incomeent banks har bean talking a lot about innovation and open banking. This you years var et smoving slowly. Hva hva det gjør på at sånn open banking? [00:09:05] S2: Well, hating no in fy us damage of the great sofa. Sno torey useable youtcy for statups. For eksempel funksjonaliteten 2 wellmany out of banke account with open Banking APIs. Det som har vi noe very good interface på the juicet. I thing what tam it is will be myse bat for know. I this not [00:09:31] S1: guruna raight now? Bare dybel levende concept. [00:09:34] S2: Ja, cocept is great right. I thing you way just in the beging of it. [00:09:50] S1: Hva er the moste? Hvor, hvor er det jo endelig the moste av, av Monsoe? [00:09:57] S2: Jeg mener squood bryter stadup.
00:09:57 · Nik Storonsky, S1
[00:09:57] S2: Jeg mener squood bryter stadup. [00:10:02] S1: Så, så, så tal oss, hous revolut different from, hva, hva er strategi, hva er strategi value proposisjon of Revolut? Ja, så hva, hva er, hva, hva type of target group er jo, er jo targeting, but this, this type produkt? [00:10:28] S2: Så all people have bankacounts, er det ikke is rebel [00:10:31] S1: Hva er ikke det du is rebelytt? [00:10:33] S2: Why vi er free I the then themce shipp of free. Hvor har vi nå mych, mych, [00:10:46] S1: is mych, What [00:10:57] S2: the you is rally you. En plass vi obvicely dode noenting som is is recording of of customer og sånn. [00:11:06] S1: Okay, så you you dont, you dont fair, lik the the challenge Banks, lik Monso? Nei, det gjør jeg. Nei, det [00:11:15] S2: Jeg tror veldig til det, det er bilde av lokal British Banks. Det er naturlig expants. What, what, what will the glyve campe inte. Det var jo edruing the Ja. Så det, det står det stemte MSAS. Nå er jeg inne og tenkte twenty en, twenty en annen kanskje på expering av å si at fjolut blir det virkelig. [00:11:36] S1: Så gjør, gjør, bedre speed, gjør faster? [00:11:39] S2: Ja, bedre speed har bedt it execution, bedre team, jeg vil si. [00:11:43] S1: Bedre team. Men hva, hva type of like in in in the marked? Hva type of competterors og challenges du sier der? Nothing, og is it like [00:11:53] S2: for Nå, sitter the resolisk competitions of en politission new place will well well well welllycket agae. Det er Quet qallat agae.
00:11:53 · Nik Storonsky, S1
[00:11:53] S2: for Nå, sitter the resolisk competitions of en politission new place will well well well welllycket agae. Det er Quet qallat agae. [00:12:18] S1: Age is the mose Advent. Ja. So eff you were tolycket som ting intressing you you you you aga, not Europe. [00:12:24] S2: Well prollif you want 2 2 grebe the mock. Prollif you you 2 US, vi koser det is noting det. Den Europa den agae aga weed f you Comparals. [00:12:32] S1: Så hvor jeg tenker vil bli det next type of unicorn fintech plarect? [00:12:41] S2: Next step på fin you can fin. Well me be sating loady open Banking wone is connection of matual accounts. Ochse connected matual broker and investment accounts. Den the mesamber AI tell me what 2 when my manny. Investal end of boro. Den analytics builder on the fitasal. [00:13:00] S1: Ja. En revolut you have lab of different revenue streams right. Kunne ikke du gå true high make myoney? [00:13:10] S2: Så use fyse jo har this premium plan, when the rese stand up. Var det ok at vi ble paid på I misjons. [00:13:33] S1: Okay, du sier problem with the haveing so mye different products? [00:13:38] S2: Nå, jeg sier 16 mhmm bedre. [00:13:40] S1: Ja, why is it bedre? [00:13:41] S2: Why is it is [00:13:53] S1: urat axis hire den the quality of the product? [00:13:57] S2: Vi har solgt 2 gellere right. Exx plas quality plas prize. [00:14:01] S1: Okay, så har du shary diligver the best type of produkt sin soul, men de different areas? [00:14:06] S2: Wallwiges make 2 your this the free og ja, et litt svipp prosent supercampus på enks.