Oliver Hughes is the CEO of Tinkoff Group, one of the world's most successful digital banking groups with over ten million customers.

Tinkoff is publicly listed, which brings clarity to its operating model in a time when many noteworthy consumer digital banks are pursuing customer acquisition at the expense of profitability.

Oliver has led Tinkoff through three financial crises, so brings experience and perspective to the current COVID crisis.

This is a fascinating discussion about unit economics in digital banking and winning business models with a CEO with thirteen years of experience in this game.

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Thank you very much for joining us today. Please welcome, Oliver Hughes and Lex Sokolin.