Interesting the conversation about having more focus on the direct website vs banks (what I'm assuming is a white-label that sits there for their banking clients?).
Also the note that they have built up 5 years of data that is now being used for more AI/ML. More data = more value.
They were too early to the market, but now can call themselves a more mature player = reliable. It's just about volume and being small they can't have that many conversations at once.
Lots of positive things and can only be a long play here - so price is right.
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