My guest today is Josh Vernon, CEO, and Co-founder at Earnd, Australia’s first earned wage access provider. Earnd is a mission-driven fintech that aims to make money simple not stressful for employees through innovative tools like real-time pay tracking, earned wage access, and 1:1 money coaching. They were acquired at the start of the year by Wagestream, UK and Europe's leading financial wellbeing platform providing over half a million employees with financial control and power over their pay. In today’s episode, we focus on winning the Aussie market and dealing with competition. Specifically looking at lessons from Earnd being a first mover in Australia, the challenges of educating and acquiring flagship customers, and navigating competition in the constantly growing and heated Aussie fintech market.