[asukhwani]

Our average user in Spain withdraws 50$, but their monthly salary is >1,000$. We also regularly survey users to see chat reasons they make withdrawals for.

Our conclusion is users are taking small portions of their salary to cover unexpected expenses.

Users tell us they love this, because otherwise they would have had to ask a friend for money.

[Grustaf]

In that case, wouldn’t the real solution to their plight be to learn to save money?

I know that is part of your offering, but your main product contradicts it completely, doesn’t it?

Easy borrowing does not seem to promote saving.

[asukhwani]

Indeed! That's why we released a second feature called "Saveflow". It allows employees to take a fraction of their payslip and put it into a virtual piggy bank. We just launched it but utilisation is great!

[imtringued]

>In that case, wouldn’t the real solution to their plight be to learn to save money?

That is not something you learn. You just sit in your house and wait for the paycheck to come in. I have never learned to save money. It just happens to me.