The bank will think of these small companies as a high-risk segment. Therefore, they will either say no or give them a very poor deal. While banks read yesterday's news, we look at real-time data and can offer eligible merchants a tailor-made financing service. The whole thing started with my ex-wife coming home one night very frustrated. She ran a sole-trading business, and she had been at one of these big trade fairs. However, she couldn't offer any form of credit card payment solution, and since 50% of the people wanting to buy something from her didn't carry any cash, she missed out on 50% of her business potential. Many people make the mistake of thinking of us as solely a mobile payments solution provider, but today we compete in many different market segments. When we started iZettle, there wasn't a viable option that helped Europe's 20 million small businesses take card payments.