021: Yonder's Tim Chong on scaling a consumer fintech & building both credit and debit rewards cards

Tim Chong, co-founder and CEO of Yonder, joins David Jarvis to discuss the realities of building a consumer fintech that's redefining rewards cards in the UK. What you'll learn: Why getting your first 100 customers through WhatsApp is easy, but finding the next thousand is much more brutal The counterintuitive decision to pivot from credit-only to debit cards (and why it drove 3-4x faster growth) How to build an aspirational fintech brand that people want to show off The reality of charging £15/month in a world of free banking Building company culture that's as intense as Revolut, but as kind as Airbnb Winning a domain name in a US bankruptcy court while on holiday in Croatia Some exciting insights: 80% of Yonder's customers care about rewards and travel, only 20% actually want credit Credit cards create marketing restrictions and force you to decline 80-90% of applicants Trust-building for unknown startups requires relentless focus on brand credibility Consumer fintech founders need to know when to listen to customers and when to ignore them Tim shares the truth about scaling from post-product-market-fit to £100M revenue, managing a 60-person team across Europe, and his vision to make Yonder the centre of all your fun and adventure spending.