“We had more time to think about how to engage with our customers and understand their needs and problems and eventually realized that access to credit is just one of the big parts we can be doing for our businesses. So we went down the road of building our digital bank."

https://techcrunch.com/2023/02/01/south-african-digital-lender-lulalend-to-launch-banking-product-off-the-back-of-35m-series-b/