How to Innovate in the Finance World

The key first step is understanding those struggles. Is that segment of customers big enough to even look for innovation? And that's why sometimes we like to joke that our competitive advantage is we have no ideas because when we're trying to figure out something like this, this is a great example. We would first go say, okay, who is the most underserved segment in this market of people trying to generate passive income or optimize their returns?"