After ordering a Revolut prepaid card, Guus and Joe discuss how every company, organization, and team have a choice to either be unique, interesting, and provide a great experience or be mundane and accept the status quo. They put forth the simple theory that any area or industry that has a low barrier to entry (e.g. capital investment) and can be done digitally is ripe for start-up disruption. Note: Joe met with Val Scholz, Head of Customer * Engagement, not “Experience”, as Joe accidentally mentioned during the podcast.