Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. A few years back, there was a race to embed payments into the browser. It makes sense, too. Most people who access the web through their computers use a browser to shop and bank. While the noise has died down, the Opera browser has continued to work on integrating financial services. Opera has 380 million users globally, with 50 million active European users. The firm is launching an app that gives its users cashback on purchases made through partner websites via the Opera browser. Users can also use the new app to open a current account and get a virtual debit card to shop online and off. The firm plans to offer savings, credit and investment opportunities in the future. Joining us on the podcast today is Krystian Kolondra, EVP Browsers & EEA Fintech at Opera.