MOBILE

In Korea, your phone is your wallet, your bank, your brokerage, your insurance agent. We just made all of those work in one app.

We built Wealthfront for the generation that does everything on their phone. They do not want to sit in an office with a guy in a suit. They want to open an app and be done.

Western Union has 500,000 physical locations. We have a phone app. The phone is winning.

India's smartphone penetration is still growing. Every new smartphone user is a potential Dream11 user.

Traditional banks have branches. We have KakaoTalk. Our branch is in 47 million pockets.

Mobile phones didn't just connect Africa. They created African banking, African commerce, African information. The phone was the infrastructure.