Wilson said bunq has surpassed 22 million users and is expanding from a travel-focused business to everyday banking services, including products like stock baskets and flexible crypto staking, to encourage users to centralize their finances. Facing declining market interest rates, bunq has chosen to absorb the impact rather than pass it on to users, in order to maintain competitive savings rates in Europe and pay interest weekly. Furthermore, the bank has been using AI for fraud detection and KYC since 2016, and its AI assistant, Finn, handles 97% of customer support activities in 38 languages, resolving queries in an average of 47 seconds. bunq has also launched mortgage operations in the Netherlands and plans to expand into other lending markets based on user demand. Regarding M&A, the bank's sole criterion is user value, as exemplified by its acquisition of the shared expense app tricount in 2022.