There's a lot of good detail there in terms of how ISX is different to the other neobanks
It appears to be addressed to that analyst last week that (rightly) stated that neobanks cant compete with the Big 4 - well, heres a way that at least one can!
Good info re Paypal - didnt realise they had no capability in Australia with regards to payments and Reserve Bank, and that they are a Tier 2 or 3 themselves without even any card connect
This also sets the stage as background for what appears to be an imminent license announcement.
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