Adam Hadi, Current

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Kicking off the full monty of episodes is the one, the only, the never shy, always fun Adam Hadi! Adam is the VP of Marketing for Current, the mobile bank FinTech app. In this show, Adam talks to us about learning languages, looking for homes in NYC, marital longevity, and how to fix the NY Knicks. For our Talk Nerdy to Me segment, we’ll discuss personalized marketing for your customers.

Episode Transcription:

Louis: We’re here today with Adam Hadi, how are you doing, Adam?

Adam: I’m doing wonderful, how are you, Sir?

Louis: I’m doing amazing. And, our co-host today is the amazing Kali.

Kali: Hello, everyone listening.

Louis: Kali works with us here at App Growth Summit, Adam does not. Where do you work, Adam?

Adam: I work at Current. We are a mobile banking start-up in New York City. I’m VP of Marketing there.

Louis: We’re here in New York City. Adam, where would you rank New York City on the list of cities of the world?

Adam: I mean that’s a no brainer. Number 1. Number 1 by a long shot, let me say.

Louis: What would you say the second best city is?

Adam: Oh, let me see. Objectively, New York is number 1, that’s a really easy decision. Then number 2, it’s subjective, you know?

Louis: Yeah.

Adam: I don’t know, let’s go with Cairo. Yeah, totally, unbiased opinion there.

Louis: So, on that tip, if you had to move somewhere else, like they said, we’re going old school, Kirk Douglas style. We’re changing Manhattan into a prison from Escape to New York, and you have to move out. What city would you move to?

Adam: You know, if it was domestic, I’d probably say LA. Through the lens of New York, LA has a lot of competitive advantages. Obviously the weather. Lifestyle, it’s a little bit chill. It’s kind of a contrast to New York in a lot of ways. Versus other, great cities in the US that are just kind of shittier versions of New York. I can say that, yeah?

Louis: Oh, yeah. We can say that.

Adam: This is not airing on PBS or something.

Louis: No (laughs). I lived in one of them myself, that’s a second that has a secondary complex. Then I moved to LA for those very reasons. I was tired of shoveling snow, I was tired of the winters, and it’s funny. The winters make you move away from the North-East, but it’s actually the summer that keeps me from moving back. Where it’s the humidity, oh my God, and the smell of the trash and everything, I’ll just stay in LA with the dry humor. I mean, with the dry heat, and humor.

Louis: Dry humor, I take with me wherever I go.

Adam: LA’s pretty nice. But yeah, if we’re talking cities, I’m a city person. Again, New York is by far the greatest city in the world.

Louis: Yeah.

Adam: I’m not saying it’s the greatest place, right? Because hey, if the city isn’t where you want to be, then New York is definitely not the greatest place. But if you want to be in a city, it’s no brainer to me.

Louis: What is there, 10 million people? 12, something like that?

Adam: Eight in the city, and then, approximately 300 million who commute in.

Louis: (laughs). I was thinking if New York had LA weather, it would probably be a billion people here.

Adam: Yep.

Louis: You know, it’s just an amazing city … but this is not an ad for New York. This is not an ad at all. It is an amazing podcast with Adam Hadi. While other podcasts in the industry, and there are a number of them – almost everyone has one, they all want to talk very specific about tech. They want to be very smart, they want to educate you, which is great. But those already exist. There’s not any podcast out there that aims to entertain, so that’s what we are trying to do. Just get to know some industry experts in mobile, and get to know them as humans, and we’ll talk a little nerdy later on. And we’ll talk some tech later. But right now, we just want to get to know Adam a little bit. So, one interesting fact about you that most people don’t know would be?

Adam: I’d say, very topical, is that my wife is currently seven months pregnant.

Kali: Aw. Congrats.

Louis: Congratulations to both of you.

Adam: Not a lot of people know that, because it’s pretty new news, right?

Louis: Yeah (laughs).

Adam: Also I have a wife. She’s lovely (laughs).

Louis: Yeah, and something else that people don’t know. How long have you guys been together?

Adam: We have been together for 17 years.

Louis: That’s amazing.

Kali: Wow.

Adam: We met in the tenth grade, in biology class.

Louis: Wow (laughs).

Kali: Aw, you’re like high school sweethearts.

Adam: Yeah. Most people think I’m an asshole, so when I tell people that, it kind of softens them up a little bit.

Louis: They’re like, what? (laughs).

Adam: The truth is, I am an asshole, and she’s just amazing. And you know, it’d be a no brainer to stay with it as long. It’s been pretty great, pretty incredible.

Louis: Yeah, that’s awesome.

Louis: How long have you guys been actually married?

Adam: We’ve been married now for seven years. Oh, eight, close to the eight years.

Louis: Oh, she’s not listening, it’s okay.

Adam: Yeah. It’s funny, because I’ll do the math for you. I’m 33 years old, and I got married when I was 25. So I proposed to her when I was 23. Which now, I look back, and I’m like, that’s fucking crazy! Who you know who would do such a thing? But really, at the time, I mean, I had been with her 10 years when it finally came time to get married. So, kind of works a little bit of both ways.

Louis: So you have no idea what the hell Tinder is (laughs)?

Adam: (laughs). Yeah, I guess I missed a lot of that.

Louis: It’s not a promo, you didn’t miss much (laughs).

Adam: I worked a little bit on a couple of dating apps. Let me just say, in my opinion, dating is one of the hardest spaces in mobile to work in. At least from a marketing and certainly from a user acquisition perspective.

Louis: Well, you say, taken a little aside there. Well, you weren’t planning on answering this one. But what would you say is the number one secret to staying together for so long? Because obviously it seems like relationships are less, and less, and less these days. It’s not a dating podcast, just curious.

Adam: You know, it’s funny, because people ask me for advice. Like, I have some special answer. My answer would be: I don’t know, marry Hannah Hadi. That’s an answer. (laughs).

Louis: But then what would you do?

Adam: That’s what worked for me (laughs).

Louis: Yeah. Well that’s great. I guess it’s marrying someone that you know is amazingly awesome, right?

Adam: Yeah. And, honestly, I don’t mean to get too sappy, but it kind of keeps on getting better. Particularly now – pregnant wife. I mean, we’ve been together 17 years. Not that much changes, you know, year to year, right? But her getting pregnant was certainly a big difference, and obviously her becoming a mother, and us becoming parents and all that is going to be a change. You know, for the first time really just seeing her pregnant has actually made me feel differently about her. In a good way. Which kind of caught me off guard.

Louis: It’s another layer of awesome. It’s like, whoa, I never even knew that. I didn’t look at this.

Adam: Yeah, and certainly, some pluses. Because I should mention I’m woefully under prepared to be a parent. I was the youngest child. I had really no younger cousins, or even family friends, or anything like that. I’ve gotten two nephews, who I’ve been asked to babysit a grand total of one time in my entire life.

Louis: (laughs).

Adam: And it ended there, so I think that tells you a bit. So while I’m very excited, I’m again woefully under prepared. Meanwhile my wife actually works as a midwife. She worked as a nurse on the labor and delivery floor, on a mother baby floor. She’s been pursuing this entire world of birth, home birth, natural birth, all this stuff for the better part of a decade.

Louis: So she makes up for it.

Adam: (laughs). Yeah. In a big way. And now I just have to kind of sit back and listen to what she tells me.

Louis: Yeah, there you go.

Adam: Which I’m normally not good at, I’ll be honest. So this is a refreshing change probably for her.

Louis: Because it’s interesting. Kali over here also has been with her man for quite a while, right?

Kali: I have, well, five years.

Adam: I mean, that’s a long

Kali: Not 17, but… (laughs)

Adam: That’s a long ass time.

Louis: You have to go five before you go 10.

Kali: That’s true. It’s just, you know, five years, and moved to San Francisco together. And did some pretty adult things this year. Adopted a dog, bought a car, so, yeah.

Adam: Those are two steps ahead of me.

Kali: Yeah (laughs).

Adam: Also you know, shit, the baby eventually grows up.

Kali: Yeah, but you’re having a baby.

Adam: And like, handles itself, at least in theory.

Adam: That dog, you know, that’s a little longer term commitment.

Louis: Yeah, it’s like a three year old forever.

Kali: She’s thick. She’s chunky, but she’s cute.

Louis: My dog’s thick.

Adam: Two C’s.

Louis: Okay. So Kali, can I ask you some non-sequitur questions? And, we’ll have an intro for whatever this is called. Off the top of your head, what would it be called when we’re asking non-sequitur questions? What’s the name for this bit, segment? Any ideas?

Adam: Something that rhymes with cuff.

Louis: I like where you’re going.

Louis: Okay, off the something.

Adam: Yeah.

Louis: (laughs). So this is the off the something.

Kali: Okay. So just going to ask you probably two or three questions, very random. First one, what does your perfect weekend consist of?

Adam: Just hanging out with my friends. I’ve, you know, friends, family, all that.

Kali: All right.

Adam: You know, doesn’t really matter where. I just really enjoy hanging out with my friends.

Kali: There you go.

Louis: Doesn’t matter where you’re at, it’s who you’re with.

Adam: Yeah. Exactly. So that’s a simple answer, but…

Kali: No, I love it. Second one, where’s your favorite place to get coffee or tea?

Adam: I don’t drink coffee.

Kali: Okay.

Adam: That along with me getting married really early, and also me not drinking alcohol, that’s another fun fact. Makes me very Mormon, for an Egyptian. But yeah, I don’t drink coffee. The taste is gross to me. It’s like I’m a little kid who didn’t really grow up. But I love tea. I drink lots of tea.

Kali: What’s your favorite kind of tea?

Adam: My favorite kind of tea would be … this is a little bit of a basic choice. Bigalow, they make a constant comment. That with a little bit of milk, a little bit of honey. It’s lovely.

Kali: We’ll do one more, kind of random. Have you ever ran out of gas in your car?

Adam: I have definitely run out of gas in my car.

Kali: What’s the most memorable time?

Adam: It’s actually embarrassing how many times it’s happened.

Kali: Oh no.

Adam: Also, I haven’t owned a car for nearly a decade.

Louis: That’s why you run out of gas.

Adam: (laughs). Because I live here in New York. I’d say, my most memorable was probably in France. I was driving in Southern France, and it was Sunday. And me just being the American, I am assuming places are open on Sunday was not the case. So, you know, we passed by several gas stations which were not open. Then we hit up one, and we had payment issues with our card. That was really frustrating at the time. Now actually working in the finance space, I understand why that is. But yeah, this was several years ago.

Adam: So yeah, we just ran out. Hitchhiked and some guy picked us up. He was super into the fact that we were American. He was actually wearing a Brooklyn Nets hat.

Louis: (laughs).

Adam: Which I was like, you know, I don’t like the Nets. He picked us up, took us to the gas station, super nice guy. It would have been nice if I remembered his name and shouted him out right now.

Louis: Shout out to the French dude in the streets.

Adam: Yeah. I like the French. I’m a big fan of the French. A lot of people shit on the French. I don’t buy it. Paris is an awesome city, I think the people are really cool. Maybe again, from the lens of New York. I should mention, my wife is technically French, so I’m a little bit biased there as well. Her father is French, so she has French citizenship. If I could learn French, I could become a French citizen.

Louis: If I could…

Adam: Given how long we’ve been married. Which is like, super tempting, because that would be cool.

Louis: Why not.

Adam: I’m just terrible, that’s why. One of my longest life failures now is just completely being unable to learn French. So…

Louis: Do you speak any other languages?

Adam: I do. I speak Arabic. I studied Spanish for a really long time.

Louis: How’s your Espanol?

Adam: Well you know, okay. On the Spanish thing, because a little bit of a subject there. I actually lived in Spain for a year, when I was growing up.

Kali: Interesting.

Adam: When I was six years old. And you know, I went to Spanish speaking school, so I became as fluent as a six year old would be in Spanish, right? And then I came back to the United States for this would be second grade, and had to go to ESL.

Louis: (laughs).

Adam: Which, I think they’ve since changed what ESL stands for, in English as a Second Language.

Louis: Yeah.

Adam: I think they’ve changed it to something else now to accommodate people like me, whose English was a first language.

Louis: Yeah.

Adam: And then was just dumb enough to forget it.

Louis: (laughs).

Adam: But that kind of tells you where I am in terms of languages. And, again, so not only did I forget my English, but I then completely, forgot my Spanish again.

Adam: You know, five years later, took it in school, and was just God awful, year after year.

Louis: But is your Arabic still on point?

Adam: My Arabic is still on point.

Louis: All right, so you got a max.

Adam: At least I say that. People who actually speak Arabic would probably say different.

Louis: So you’ve got a max of two languages. That’s all you’ve got (laughs).

Adam: Yeah, I’m pretty kept out. Or, I’m not ruling out French, you know? But maybe it’s just pushing out Arabic.

Louis: Well, you just have to pick which one you want to give up to learn French.

Louis: Okay, so let’s get to a section now, called Talk Nerdy to Me. This is where we get into the technical part of the podcast. So, name one thing in the industry that you’re fired up about right now, and why.

Adam: Oh, one thing I’m fired up about.

Louis: Cheat code, brand versus DR (laughs).

Adam: (laughs). Actually, that is something I’m a little bit fired up about. When I started out in this space, and it was so gaming focused, right? That was really central. Like, the most sophisticated things in mobile were happening on gaming. And gaming is a very DR platform till today. There’s very few exceptions to that. But you know, mobile gaming, it’s DR through. And I think that culture, so many people who’ve now mobile started there, right?

Louis: And we should say, DR – Direct Response Performance Marketing? Just so we’re all on the same page (laughs).

Adam: Yeah. And I think the fact that so many people started there, and so many senior people started there, that’s just been the culture in mobile. It’s been very dominant. But hey, mobile is obviously no longer just gaming, right? And I love how a lot of people still talk about gaming versus non-gaming. Or that’s a real breakdown. That’s a breakdown in business or life.

Adam: And that’s what your phone is, right? Your phone is like a reflection of your life. It really reflects everything you do. All the apps you use. So I think we’re having this resurgence of brand. And the pendulum has swung from being … hey, mobile is like a pure DR game to one that branding is really important. I think it’s just really dependent on the industry and the product you have.

Adam: Again, nobody’s ever seen an ad for a mobile game and then decided three weeks later to download it, right? But hey, you know, we talked about dating earlier. I think that’s a really good example. If you’re going to talk about real human behavior, and how somebody actually decides to download a dating app – it’s not like that, direct response performance ads don’t work. But I think far more important than those, is how people feel about a dating app, right?

Louis: Yeah.

Adam: What the brand behind that. Nobody wants to be on the lame corny dating app, right (laughs).

Louis: (laughs) Yeah.

Adam: People want to be in the cool one. It’s marketed in the same way as a club or a bar, right? And I think that’s a transition that the industry’s going through. That even though I don’t have some amazing background in branding. You know, my degree was in economics (laughs).

Adam: I think it’s a really important change. And one that I find really interesting.

Kali: Cool.

Louis: I think the Clippers, for example, they had a jersey brand by Bumble, right?

Adam: Yeah.

Louis: And then I think, Wishes with the Lakers, but it’s… if Bumble is going to pay all that money to be on every single Clipper jersey, that says something about brand marketing.

Adam: Yeah. I think it does in a big way. And you’re seeing that across the board now. Jersey sponsorships are an interesting one. I think it really provides a level of validation at a reasonable price. We’re not talking about naming rights on a stadium, shout out to SoFi.

Louis: (laughs).

Adam: Who knows? Maybe that’s a genius move. But I think it’s a smart move.

Louis: How do you see the industry changing in the future? Or I should say the near future.

Adam: Well, I should say that the pendulum again, having swung from DR, now starting swinging a little bit back to brand. Finding more of a balance there. I think also, in our own execution, right? It used to be that the best user acquisition campaigns were run by data geniuses, right? And it’s all about segmentation and all the UA manager can do. A really strong UA manager.

Adam: What that meant five years ago, and what that means now are different. And I think what that means in five years is very different. I think it’s all part of that swing, right? I think what makes the biggest tool, and this is no secret. The biggest tool we have at our disposal is creative, right? At this point, UAC on Google’s front has really taken over. There’s only so many levers you can pull there.

Adam: Facebook is not quite at that same level, but it’s moving there. It will be there. And it’s effectively there today, right? If you want to talk about that. What does it mean to make a good piece of creative? If that’s the most important tool at your disposal, I think it comes down to understanding your customer. It’s thinking, thinking…

Louis: How do you understand your customer? What ways would Current dive into understanding their current customers there?

Adam: Well, I can give advice from Current’s perspective, but obviously every industry’s going to be different, right?

Louis: Sure.

Adam: But I can tell you, at Current we’d speak to them. On the phone. I should state, obviously we get feedback like anybody else does. You get them on social, you get it through customer support, you get it via reviews. That’s all stuff that we take in. But, you know, we have people’s phone numbers. And we have their emails (laughs).

Adam: So we reach out. And, I’m like, hey, can we chat? Both to people who are really happy with us, and people who are really mad at us. And really understanding their needs. They’ll just tell you. It doesn’t take a genius, right? It just kind of takes a little bit of time and effort. So if you systematically do that, which we do every single week, we are speaking to customers. And when I say we, I mean the entire team.

Adam: So that’s everything from customer support to product, to engineering, business, marketing, all of us listen to the customer directly. And then we run surveys, and we do everything like that. But honestly, hearing it directly from them, it’s really impactful. It’s just something about the human psyche.

Louis: That’s a good thing about the human interpersonal touch. Because at App Grow Summit, shameless plug, we’re lucky enough that we get to literally be there with you, all the time. When you come to our events, or you speak at our events, or just talk about the events. We always want to see how your experience was. Like, what did you like? What was your favorite part of our show? Is there anything we can change? It’s like constantly going back to your users, so to speakers, or attendees, or whatever your customers are. It is always good to find out where you need to change things.

Adam: Yeah. I think a nice little test for this is when you… and I guess everybody within the space of mobile has done this, right? They’ve handed or they’ve asked a friend: hey, search this app in the app store, right? So you search Current in the app store, Current comes up. And then you see their reaction, both to the screenshots, and then maybe the onboarding experience. Or maybe show them an ad and if you’re surprised by their response, you’re probably fucking up.

Adam: Given you’ve been positioned for however long, you should really not be surprised by the responses that you receive. Because you should be aware of the full range of interpretations of that. And I think it’s super simple, and it’s a generic advice, but how much do I actually see it practiced? Far less than I’d expect.

Adam: And I’m talking about this with big organisations, with smart people. They’re not lazy or anything… Maybe we haven’t really grown up in the industry, that’s that good at it.

Louis: Yeah. Have you heard of the Avatar concept in marketing? Where somebody says: okay, we have to communicate what our customer wants. Instead of making stuff up from some copyright, or figuring it out from a marketing department or whatever, they would then create who their customer is, and they’d say: okay, let’s give them a name. Let’s give them an occupation, let’s give them an age. And then you start to think about it. Wait a second, you already have customers. Why are you making up a fake one?

Louis: (laughs). Why don’t you just look at who your best customers are, and say: oh, it’s Jane, is one of our best customers. Let’s talk to Jane, and communicate as if we’re talking to Jane. And you get more Janes.

Adam: Not everybody can do this for practical reasons, right? Some people’s customers are simply anonymous, right?

Louis: Sure.

Adam: It’d be more and more difficult.

Adam: I speak on behalf of many performance marketers. We’ve looked back at traditional marketing and laughed at their unsophisticated methodologies and their the Mad Men types, and everything like that. But really, the simple advice I’m giving – listen to your customer. They’ve long since figured that out on the traditional end. And I think there’s so much that we can learn from traditional marketing. We think we’re in 2012 or something. No, we just have new tools, but it’s really the same thing. I myself would love to become, I guess, better versed.

Kali: So what would you say is the most fun part about your job?

Adam: I’ll say it just because it’s top of mind. We just recorded a TV commercial. That was really exciting. I’ve never done that before, at least not directly. And it’s one of those things that was pretty intimidating. It doesn’t really matter how much money I’ve spent, or done things historically. I mean, it was just a new thing that I’ve never done before. And like, how does a TV commercial come to be? That was very new to me and that made it a lot of fun. It was a fun time.

Kali: Another question. If you were not an app growth expert, what would your chosen profession be?

Adam: I’d be GM of the New York Knicks.

Kali: (laughs). Love it, the confidence.

Louis: What would be your first move?

Adam: You know, maybe President, not GM. And I’d be very good at it.

Louis: Everyone says that they could fix their own team, right? So what’s the big move you would make?

Louis: The first move, you’re okay, Adam. No more at Current, we just hired you, President of the Knicks. What’s your first step?

Adam: My first step is player development. My fun fact about the New York Knicks, and not a sports podcast, I won’t linger on it, but we have not re-signed our first round draft pick since Charlie Ward. I believe that was 1996-97, something like that. Which is crazy, right? That to me is the craziest fact about the New York Knicks, and kind of explains why we’re not so good.

Louis: So the Phil Jackson thing didn’t work out (laughs)?

Adam: Yeah. And I should say, I like Phil, I read his books. But yeah, that didn’t exactly work out.

Kali: And the last question is what app are you super into right now, other than your own?

Adam: Street Easy (laughs).

Adam: I mentioned the seven month pregnant wife, so we are trying to find a place pretty quickly here. I’ve been spending a disproportionate amount of time on Street Easy (laughs).

Adam: Street Easy, for those who are not in New York, is basically a New York City real estate app, which is pretty comprehensive. I kind of hate it, but man, it is really good.

Louis: Okay, so we’re going to finish up by playing a fun little word game, and that word game will be this or that. We’ll say two choices and you just get to pick one that you like.

Adam: Sounds good.

Louis: All right. We’ll start off with the obvious one, the big one for the mobile industry: iPhone versus Android?

Adam: I’m an Android guy (laughs).

Louis: He says this slightly apologetically.

Adam: Well, I’ll tell you one thing. This actually ties into my being with my wife for so long. Because if I was a single guy, there’s no way I’d be texting girls with a green bubble.

Adam: As a married man, I have the privilege of being able to own an Android.

Louis: There you go. Uber or Lyft?

Adam: As a Chase Sapphire customer, I think I’m now a Lyft guy. Now they’ve built out their loyalty programs. And now, with the reserve partnership give me what? 15 percent off fairs plus 10x points back. I’m a big points guy. I think that was a strong move by them. I still check both apps, though.

Kali: How about the next one: PayPal or Venmo?

Adam: Current. (laughs).

Louis: Boom, what’s up?

Adam: So I should mention, on Current, we have Current Pay, in which you send people money via their Current tag. So my the Current tag is symbolized by the tilde, so it’s ~Adam. Send me as much money as you like. (laughs). And it arrives instantly into your bank account.

Kali: Baby fund?

Louis: You know, baby needs formula.

Adam: And you don’t need to wait, and no one percent transfer fee. It’s great. Download Current today at current.com.

Louis: Yeah, there you go. There’s the TV ad, basically, just on podcast form. We’ll send you guys a bill (laughs). Spotify versus Pandora?

Adam: Spotify by a long shot. It’s just far better. And that’s not to say I haven’t used Pandora. I actually dove into it pretty recently. Just the social tools on Spotify are pretty cool. It’s at this point gotten to know me better. Their marketing’s incredible. I mean, the 2019 Wrap Up stuff, or decade Wrap Up, that was incredible. That was like a really great piece of marketing.

Louis: Did you shock yourself with, oh my God, I really listened to this that much?

Adam: Actually, the artist of the year, every year for me was just Michael Jackson. I love Michael Jackson (laughs).

Adam: So there was no real shock there. But man, was that everywhere, right? Everybody was talking about it. It’s like the social proof about it. It explained to me how much value I’m getting out of Spotify. This is how much I’ve listened to, how much I’ve fed it. I’m so much more committed to it now. What a great piece of marketing by them.

Kali: We’ll do a couple more. Waffles or pancakes?

Adam: Pancakes.

Kali: Good choice. How about ice-cream or frozen yogurt?

Adam: Ice-cream by a large margin there. Kind of a fat ass (laughs).

Louis: PowerPoint or Google Slides?

Adam: Google Slides, for sure. Who says PowerPoint? Has anybody said PowerPoint is my question?

Louis: Well, it has to PowerPoint because you said Android. If you said iPhone, then I would say Key Note versus…

Adam: I should also mention, I use a PC, and that usually gets me a lot of weird looks around the office, as well. So I’m that guy with an Android.

Louis: PC using, Android using. What year are you living in? (laughs).

Louis: Wife that you’ve been together with for 17 years. Do you have a pocket watch? Do you own a pocket? (laughs).

Kali: How about movie theater or Netflix?

Adam: Neither to be honest. I’m really bad at watching movies. I’m more of a show guy, so I guess Netflix, because there are shows on Netflix. It’s funny because I have no problem committing to, like, five seasons of a show in 60 hours. But the idea of a two and a half hour movie, whoa. I can’t do that.

Louis: Facebook Ads or Google UAC? If you can only spend your money in one place.

Adam: Facebook.

Kali: A scooter or a bike?

Adam: A bike. I’m a big time biker here in New York.

Louis: Citi Bike?

Adam: Citi Bike to work every day. Citi Bike everywhere.

Louis: Did you do the Citi Bike to get here?

Adam: I Citi Biked here today, yes.

Louis: Look at this.

Adam: All year around.

Louis: This way you can eat your ice-cream.

Adam: Man, Citi Bike’s now owned by Lyft. Two Lyft shoutouts in one podcast. (laughs). I’ll tell you they had the eBikes here for a while. These are like pedal assist bikes. That is like a total game changer. I’d say for like 90 percent of the commuting I do, anywhere in New York, I would think that the eBike would be actually the fastest way to get around.

Louis: All right Adam, thank you very much for being on this. Time is coming to an end here, unfortunately, sadly (laughs). But, I’m sure we’ll see you again, because we’re here in New York a few times a year. So, if someone wants to learn more about you, follow you, or get in touch with you, and learn more about the Current app, where can they catch you?

Adam: I’m going to take full advantage of the shout outs here. You can find me on Twitter. My handle’s @itsadamhadi. Certainly check us out at Current, that’s https://current.com. We are hiring. I should mention a little bit more about Current. We’re a Series-B, funded start-up, growing super fast, providing banking services. A very exciting milestone coming up. Current is providing better banking to a lot of people who need it in this country.

Adam: So we’re both doing things that are good for people and are a sustainable business. I’m very excited about both of those things.

Louis: Thank you very much, and catch you all at the next Appy Hour!