Zach Perret

“What we're building now was an evolution because we simply just didn't have the tools to build what we wanted to build. And we talked to a bunch of other developers and found out that they didn't have the tools either.”

“Our longer term thesis is that you should be lending to a consumer in the way that you lend to a business, which is based on free cash flow”

“Largely when people ask us who are the competitors you worry the most about the answer is actually paper.”

“What we're actually seeing now is, as people have launched these point solutions, so let's take Robinhood recently, or let's take Marcus by Goldman Sachs. They have a couple products, and they're building more and more products into that suite. But instead of …”

“The difficulty with thinking about PSD-II it's really hard in environments when there are a lot of banks, and it's easy when there are few.”