the ceo and founder of revolut joins us on the show, nikolay storonsky.icense. when i think about you getting a european banking license, the first thing that comes to my mind is extra regulation how do you deal with the banking license and the huge amount of regulation that that will require? >> innovating the space as well. at the moment there are so many things you can do in regulation, it would be stupid not to use them >> all right so look up to shake up the regulation industry as well. how much of your application to get the european banking license was purely a function of being able to obtain passporting rights into europe once brexit occurred >> the way it works, you first apply for a banking license, and then you pass it on to other countries. >> the motivation initially to get the banking license, was that predicated on brexit or was it just a part of your general expansion plans? >> i would say both. we always wanted to be a bank, plus do that >> you have had massive growth, more than 3 million customers without having a banking license. what