Competition, Intensity & Building a $115 Billion Global Bank | Nik Storonsky, Revolut

Storonsky attributes Revolut's edge to founder-led, metrics-driven decision-making and constraints that forced efficiency VC-funded US rivals never developed.

• $115B scale, 38 countries: Revolut grew from a travel-spending card to a full bank with tens of millions of customers, targeting the number-one spot in 100 countries.
• Algorithmic bet management: Nik Storonsky funds up to 10-person product teams for 9-18 months, scaling the top ~25% performers (10-20% MoM gross-profit growth) and sunsetting the bottom quartile, trusting metrics over his own intuition.

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