We've developed three major new product areas: anti-fraud tools that analyze user patterns across apps, a real-time credit system that uses real-time data to assess credit risk, and improved bank payment analytics.

As we evolved, we expanded our product offerings to include credit verification and bank payment infrastructure, allowing for seamless financial transactions and identity verification.

We aimed to build an analytics platform that allows investors to answer their own questions using credit card data.

We faced challenges in providing flexibility in rates and creating a single API for platforms to sell travel without needing to build every component from scratch, which is essential for a fintech company like ours.

Our initial idea was to use credit card data to help investors make better investment decisions, and now we also work with companies, not just investors.

We prefer to build products in-house but decided to acquire X1 to quickly enter the credit card space and offer a competitive product.

Initially, we used screen scraping to collect financial data from banks, as many did not have APIs in place, but we aimed to partner with banks to create a more efficient system.

We stood out to investors because we weren't like everyone else; we had a straightforward business model and were addressing a real pain point in a fragmented market dominated by big incumbents.

I believe in focusing on problems that have a 10x positive or negative impact, especially in fintech where growth and compliance are critical.