digital banking app revolut has become the uk s most valuable start up ever, after new investments valued it at $33 billion. the company is just six years old but now has more than 15 million users and a price tag, on paper at least, higher than high street banking giant natwest. revolut provides currency exchange, current account and crypto currency services for customers across 35 countries but is still in the process of attaining a uk banking licence. simon french is chief economist at panmure gordon here in london. good morning. good morning. clearly, good morning. clearly, revolut is doing extremely well in terms of getting lots of customers. it has this high, high valuation, but some it may be quite nervous about these kind of new financial apps out there. give us your thoughts. this is