So in a very ironic moment, someone shared this to me on...

So in a very ironic moment, someone shared this to me on Facebook and I couldn't help but chuckle - Raiz Central is hardly a cult, we're just enthusiastic.

Full disclosure, I run the group with a team of mods - have been doing so for about six years. Definitely not unique by any means in the FinTech space - there's a few groups in Aus that are linked to different apps and platforms - groups like Up Banking Community, Spaceship Investors, etc.

Reading your strategic ideas, I have a few points to make:

- AI-Driven personal advice is a pretty rough set of waters. Expensive to introduce, and given they're pulling away from SEA, not sure what the material benefit would be in a market where users are just happy to tinker.

- Blockchain is not very sustainable, and jumping into other crypto doesn't make sense for Raiz's product. The only remotely comparable platform that tried this was Superhero/Swyftx in 2022.

- Financial education - agreed, they need to do more in app. They're working with Montessori as well - would love to see some of that learning come into the app.

- Social Impact Investing - there's a lot of options in Plus, a second Socially Responsible portfolio would be handy but I'm not sure how you'd theme it.