Company Restructuring & Efficiency - The company has significantly reduced its workforce from 7,000-7,400 to 3,000 employees [1] - The company shifted focus from efficiency to leveraging learnings from AI software and tools [1] AI Integration & Product Development - The company tested AI software and tools internally, replacing SAS software and Salesforce [2] - The company plans to launch AI-powered customer retail banking apps to enhance customer value, save time and money, and improve financial control [3] - The company aims to use AI to create the next generation of financial services [3] User Base & Revenue Strategy - The company's user base has reached 111 million [5] - The company's revenue per customer is lower compared to competitors [5] - The company's primary metric is now revenue per customer, aiming to match competitors' levels [5][6] - The company anticipates significant pickup from its audience with the launch of new products like the card [5]