Zach Perret

“And so for us, when someone left a company, when one of our champions left a company, that was like a moment of a sprint. So we would go in and say, great, who's the new champion and where is the other person going?”

“You know, I was probably on text with our first 102 hundred customers just directly.”

“So I find that in financial services it's not often sufficient to solve part of a problem for a person. But what is sufficient is to solve a complete problem for a very narrow set of people.”

“We had a philosophy that we would never do press. So we never wanted to do press. We never wanted to do marketing. We never wanted to do publicity. Because we wanted to build a one-to-one relationship with our customer and we wanted our brand to be what our cu…”

“The biggest shortcoming that we found is that if you build a consumer facing product that largely tells a consumer to stop doing some behavior that they want to do, it doesn't go very well. So we would oftentimes, you know, build a budget and say, hey, consume…”

“In the early phases that was doing something that was slightly different, which is publishing our docs online, which our competitors didn't do, which seems commonplace now, and also giving an online signup page for someone to come in, to come and use the produ…”

“And you know, the best marketing that we did was you know, having Robinhood use our product and then having someone use Robinhood and say, how did you do that to Robinhood? And Robinhood would send them to us. And so there was this kind of like amazing referra…”

“I'm certain it's gonna be sued by, like, I don't know, a gajillion different companies. I know the banks, the big banks want to sue it, the small banks want to sue it, like a bunch of fintechs want to, it's all, all, all over.”

“There are certain banks that still block access to consumers' data. Those banks are gonna have to give access, and there are certain fintech apps that don't give access to a consumer's transaction data, that don't give access to a consumer's account routing nu…”

“One of the most interesting things to me in, in the card landscape is that cards are not a fundamentally digital product. They were built for an analog world. The form factor to a consumer is still really hard. We talk about cards, though most of us don't have…”

“I do think the next 12 months will show kind of a bigger shift in the market, but again, I think it's gonna be mostly concentrated to those parts of the market where pay by bank just makes sense and it's currently digital one point or not digital at all.”

“No one's gonna walk into a Starbucks and say, I would like to pay for my three dollar coffee with my bank account. That's basically never gonna happen. Or any small merchant for that matter. Frankly, in my opinion, like, very few in-person transactions are eve…”

“If you started off with a neobank and all they did was have a checking account and a savings account and maybe a card well, in this period, if they wanted to survive, they needed to build the lending side of their offering. And so you know, they expanded there…”