👋 Welcome back, FR Family! I've returned, and the world of fintech hasn't slowed down for a second while I’ve been away! 😄 I trust you've all been keeping pace without me. You'll spot a fresh twist to the usual FR format in this issue. Since we're all swamped these days, I'm trimming it down to a punchier, bite-sized read - but don't worry, it's still packed with all the usual punch.