Jack Spiers, the UK & Ireland Banking and Lending Director at Tink, joins the conversation to dive into Klarna's new personal accounts with cashback rewards aimed at disrupting traditional banking. The potential IPO showdown between London and New York for Revolut is explored, highlighting market dynamics and regional challenges. They also discuss Tink's research indicating that digital finance tools could enrich UK consumers by £24.5bn, as well as Amazon's plans to potentially spin off its payments service in India.