Competitive Moat?

This is a stock I like in many aspects - just wondering what do you guys think the competitive moat is?

I thought about easy digital experience for application, able to see both credit agency record, and round up thingy, but any of these can be replicated quite quickly by others if they want to (particularly big banks)

There is nothing wrong if it doesn't currently have a moat - common for many young (relatively) companies who are blitzing for market share and brand consideration, I just want to make sure I did not miss anything if there is one.