Group 1 - The article discusses the professional background of an analyst with extensive experience in product management and development in the high-tech industry, particularly in fintech startups [1] - The analyst has been investing in growth companies since 1998 and has recently shown interest in income-focused portfolios and fund-based approaches [1] Group 2 - The analyst holds a beneficial long position in the shares of HQH, indicating a personal investment interest [2] - The article emphasizes that the views expressed are personal opinions and not influenced by any business relationships with mentioned companies [2]