Hello and welcome to Danny in the Valley, your weekly dispatch from behind the scenes and

inside the minds of the top people in tech this week. And we have a lot for you. On this pod,

which you're about to hear, we have a visitor, a flying visit all the way from Britain, which you'll

hear shortly. But also, we have an extra pod alert, bonus pod.

So at some point this weekend, probably Saturday, I'd guess.

There will be another one that pops up in your feed,

and this is kind of an accompaniment, a little appetizer, side dish,

to a piece that I've written for the Sunday Times magazine.

So do keep an eye out and an ear out for that.

But now, let's get to today's show.

Yo, technology. What is it all about?

I think that they said something along the lines of like,

you make your business sound way better than it actually is, which which we thought was like kind of a backhand of compliment. But yeah, I think it also

goes to show that we didn't really know what we were doing at the time. Thank you for tuning in.

We have a great one for you this week. Heroki Tacoucci is here. And Heroki

is the founder of Go Cardless, which is the biggest fintech company that you have never heard of.

They're a payment process. So they're kind of the financial plumbing of the internet like

a stripe. And you may recall that we had Patrick

Collison, the founder of that company on here last year. But Heroki has a great story to tell.

He actually set up the company originally with Tom Blomfield, who went on to found Monzo,

the big online bank, and Matt Robinson, who went on to start, nested the state agency.

So in a way, these guys are, you know, they've been compared to basically Britain's version

...