Always good to get the email from Eric - thanks.
Am I reading it correctly - you are saying the Banking licence is about 4 - 8 weeks away ? Is that stopping you doing a beta with staff or just beta with general public ?
You mention money is tight which seems strange as Eric mentioned the very successful series C capital raise last month ?
I’m also interested in the comment that Xinja will be the first Neo bank to launch in Australia - doesn’t UP already have that title and isn’t 86400 also live ? Also interested in your thoughts on Volt. I think Eric has said previously he doesn’t think UP and others are innovative yet they seem to already have all the feature listed in the Xinja roadmap ?