"Whilst 2022 will go down as one of the most challenging years...

"Whilst 2022 will go down as one of the most challenging years in our history, we have never been so excited and optimistic about the future. Our ability to compete and scale the business off the back of the launch of our reimagined card & account product cannot be understated," he said.

"We have invested significantly into R&D to build a comprehensive technology stack of material value that is unique in terms of integrating banking & investing services into a single money management platform.

can someone tell me how this app is any better than something a first year computer science/software engineering student could make in his spare time ???