I mean instagram and Spotify have too broad a base. You wrote this - You can think of a vertical neobank as a checking account + debit card product, focused on a specific customer segment (rather than focused on a broad swath of “consumers”)

I'm wondering if that holds for Instagram as a vertical neobank. But I like your current statement "I think apps that already have a moneymoving financial relationship with some niche, have a real opportunity to serve that niche very well." .

So then do you think Instagram will be a successful fintech ? And I'm wondering why Intuit could not become a neobank without acquiring CreditKarma?