A reflection of the confusion at that stage of my life by education, my Ph.D. Was in aerospace engineering and I shouldn’t be judged on that (Peter laughs), my masters was in computer engineering and my undergrad was in electrical engineering. That’s a summary of my background, I’m an engineer by training, basically.
Peter: Okay, okay. Therefore, you’re an engineer by training, however you’ve chose to start this business that is…it’s significantly unique because I’m sure you began it at the same time where we don’t think anybody else really was doing much in the form of, you realize, this type of earned earnings access. Inform us a tiny bit about…what ended up being the concept that resulted in the founding of PayActiv?
Safwan: if you ask me, it absolutely was a concept that came during a stage in my own life where we wasn’t doing any such thing and so I had considerable time to consider and, you realize, if you have lots of time to imagine, you will do consider the peoples condition and what’s taking place. One of many ideas that kept occurring if you ask me and I’m speaking 10 years ago had been why is it that the wealthiest nation in the field has such a sizable pool of people living paycheck to paycheck. That term hadn’t yet been created, we had been within the post 2009 time period and I also simply had been form of wondering what’s happening here, exactly what are the underlying dilemmas here and it’s also for the reason that situation that this notion of PayActiv first hit me personally.