Fintech Pulse: Your Daily Industry Brief – March 24, 2025 (Enza, AWS, Nvidia, Chime)

 

In today’s rapidly evolving digital landscape, fintech continues to revolutionize the way we interact with finance. As the industry surges ahead with groundbreaking innovations, strategic investments, and transformative partnerships, we at Fintech Pulse are here to break down the latest news, trends, and op-ed insights to keep you well-informed. From seed funding breakthroughs in Africa to global webinars dissecting the impact of generative AI, this comprehensive briefing provides an in-depth analysis of key developments across the fintech ecosystem.

Contents

In this extensive report, we delve into five major stories that are shaping the future of finance. With an engaging, opinion-driven tone, we not only summarize the headlines but also offer expert commentary on the implications for investors, innovators, and consumers. Our analysis explores the strategic significance of each story, highlights the challenges and opportunities they present, and draws connections between diverse segments of the fintech landscape.


1. Enza’s Groundbreaking $6.75 Million Seed Round to Expand in Africa

A New Chapter for African Fintech Innovation

The fintech scene in Africa is buzzing with excitement as Enza, a rising star in the industry, secures a remarkable $6.75 million seed round to fuel its ambitious expansion plans. This development is a significant milestone for Enza, as it paves the way for increased financial inclusion, digital banking solutions, and innovative payment systems in a continent where the demand for cutting-edge financial technology has never been higher.

Key Highlights:

  • Investment Impact: The $6.75 million seed round is designed to bolster Enza’s operational capabilities and expand its footprint across several African markets. This funding injection will empower the company to scale its platform, improve service delivery, and accelerate product innovation.

  • Market Opportunity: With a rapidly growing mobile user base and increasing internet penetration, African economies are ripe for fintech solutions that can democratize access to financial services. Enza’s expansion is set against the backdrop of a continent hungry for digital transformation in banking and finance.

  • Strategic Vision: Enza’s leadership envisions creating a robust ecosystem that not only supports consumer banking but also enhances small business lending, digital payments, and cross-border remittances. This holistic approach could redefine the financial landscape in emerging African markets.

Industry Implications: This funding round signals a broader trend of venture capital flowing into African fintech startups. Investors are increasingly recognizing the untapped potential in these markets, where technology-driven financial solutions can drive economic empowerment. Enza’s success story offers a blueprint for other fintech companies seeking to navigate the challenges and leverage the opportunities presented by the continent’s dynamic environment.

Commentary: The infusion of capital into Enza’s operations reflects a critical shift in global fintech investments. Traditionally, markets such as North America and Europe have dominated headlines, but the narrative is rapidly changing. Africa’s fintech revolution is underway, and Enza is positioning itself at the forefront of this transformation. As an industry insider, I see this as a pivotal moment where innovation and investment converge to create scalable solutions that can impact millions of lives. The synergy between technology and finance in Africa is not just about profitability; it’s about fostering a more inclusive economy.

Source: Wamda


2. Swiss Fintech Innovation: A Spotlight on Pro IT Company Finance and CEO Igor Izraylevych

In a fascinating development within the Swiss fintech community, a leading IT company specializing in finance has caught the attention of industry watchers. With CEO Igor Izraylevych at the helm, the firm is redefining traditional financial models by integrating state-of-the-art technology and innovative business strategies. Based in Zurich—a global financial hub—this company is setting new benchmarks in fintech innovation.

Key Highlights:

  • Leadership Vision: Igor Izraylevych’s dynamic leadership has propelled the company into a position of prominence within the fintech arena. His strategic focus on harnessing cutting-edge technology and agile methodologies has paved the way for groundbreaking solutions in digital banking and asset management.

  • Technological Advancements: By leveraging advancements in artificial intelligence, machine learning, and blockchain, the company is developing tools that enhance operational efficiency, improve risk management, and offer personalized financial services. This blend of technology and finance is transforming traditional banking systems.

  • Market Influence: Operating from Zurich, the firm not only benefits from Switzerland’s reputation as a global finance center but also sets an example for integrating tech-driven innovation into established financial practices. The company’s work serves as a reminder that legacy financial systems can evolve with the right technological infusion.

Industry Implications: The emphasis on technological transformation in Swiss finance underscores a broader shift in the industry. Fintech is no longer seen as a disruptive force operating on the fringes of the traditional banking sector; it is now being embraced by legacy institutions that recognize the need to evolve. The success of companies like this one suggests that the future of finance lies in a seamless blend of traditional expertise and innovative technologies.

Commentary: From an op-ed perspective, the rise of such fintech pioneers in Switzerland is both inspiring and instructive. It challenges the notion that innovation must come exclusively from startups or emerging markets. Instead, established financial institutions and technology companies have a unique opportunity to redefine their roles in the modern economy. The leadership of Igor Izraylevych demonstrates that with vision and commitment, even the most traditional financial ecosystems can be transformed to meet the demands of a digital future.

Source: Finews


3. Webinar Insights: EMEA Fintechs Unlock Innovation with Generative AI in Partnership with AWS and Nvidia

Unleashing the Power of AI in Fintech

The intersection of fintech and artificial intelligence (AI) was the focal point of a recent webinar that brought together industry leaders from across the EMEA region. With major tech players such as AWS and Nvidia partnering to explore generative AI, the webinar provided key insights into how fintech companies can leverage advanced algorithms to unlock unprecedented innovation.

Key Highlights:

  • Cutting-Edge Technology: Generative AI represents a leap forward in how financial institutions can process data, enhance security, and deliver personalized customer experiences. The technology’s ability to generate insights and automate complex tasks has the potential to transform operational models in the financial sector.

  • Strategic Partnerships: The collaboration between AWS and Nvidia is a testament to the power of strategic alliances in driving technological progress. Their combined expertise in cloud computing and graphics processing accelerates the deployment of AI solutions tailored to the unique needs of fintech firms.

  • Regional Focus: For EMEA fintechs, the webinar underscored the region’s readiness to adopt generative AI technologies. With a diverse range of markets and regulatory environments, fintech companies in Europe, the Middle East, and Africa are uniquely positioned to experiment with and scale AI-driven innovations.

Industry Implications: The integration of generative AI into fintech operations is set to redefine the competitive landscape. As banks and financial service providers increasingly adopt AI tools, there will be significant improvements in efficiency, customer service, and risk management. This development not only benefits the institutions but also enhances the overall consumer experience by providing smarter, more intuitive financial services.

Commentary: The insights from the webinar highlight a broader trend that is reshaping the financial services industry. In my view, the synergy between generative AI and fintech represents one of the most exciting frontiers in technology today. The potential for AI to optimize processes and unlock new business models cannot be overstated. It is a clear signal that the future of finance will be defined by innovation, agility, and a relentless focus on customer-centric solutions. For stakeholders across the board—from CEOs to tech developers—embracing these advancements is no longer optional; it’s essential for survival in a competitive market.

Source: Fintech Futures


4. Chime’s Bold Move: Launching Instant Banking Services for the Modern Consumer

Reinventing the Banking Experience

In a bold move to redefine digital banking, fintech firm Chime has announced the launch of its instant banking services. This initiative is designed to cater to a new generation of consumers who demand speed, convenience, and a frictionless banking experience. Chime’s latest offering is not just a product launch—it’s a statement of intent that underscores the company’s commitment to innovation in financial services.

Key Highlights:

  • Instantaneous Access: Chime’s new service focuses on reducing wait times and streamlining the banking process. By enabling customers to access their funds instantly, the company addresses one of the most common pain points in digital banking.

  • Customer-Centric Design: The service is tailored to meet the expectations of today’s digital-savvy consumers. With an emphasis on user-friendly interfaces and robust security protocols, Chime’s platform is built to deliver a seamless banking experience.

  • Market Disruption: The move by Chime is a clear signal that traditional banks may soon be challenged by digital-first alternatives. As fintech firms continue to innovate, the pressure mounts on conventional institutions to adapt or risk obsolescence in an era defined by rapid technological change.

Industry Implications: Chime’s launch of instant banking services is a harbinger of the next wave of digital transformation in finance. With increasing consumer expectations for immediacy and efficiency, other fintech companies and even established banks will need to reimagine their service delivery models. This innovation is poised to accelerate the shift towards more agile, technology-driven financial solutions that prioritize customer convenience above all else.

Commentary: From an op-ed perspective, Chime’s latest development is emblematic of the broader disruptions in the banking sector. As consumers demand faster, more efficient services, fintech innovators are stepping up to fill the void left by outdated systems. I believe that this move by Chime not only enhances its competitive edge but also forces the industry to confront the reality that the future of banking is digital, instant, and customer-driven. In a world where time is money, the ability to access financial services without delay is more than just a convenience—it’s a necessity.

Source: Yahoo Finance


5. American Banker’s Innovation of the Year 2025 Awards: Celebrating Excellence in Fintech

Recognizing the Trailblazers of the Industry

In a ceremony that celebrated cutting-edge innovation and visionary leadership, American Banker recently announced its Innovation of the Year 2025 Awards. This annual event honors the individuals, companies, and projects that have made significant strides in redefining the financial services landscape. The awards not only shine a light on the achievements of fintech pioneers but also set the tone for the future of banking and finance.

Key Highlights:

  • Award Categories: The Innovation of the Year Awards encompass a range of categories, recognizing excellence in areas such as digital banking, payment technologies, regulatory compliance, and customer experience. This comprehensive approach underscores the multifaceted nature of innovation in fintech.

  • Industry Recognition: Receiving an innovation award from American Banker is a prestigious accolade in the financial sector. It signals that the honorees are not only driving change within their organizations but also influencing broader industry trends.

  • Forward-Looking Vision: The awards ceremony served as a platform for thought leadership, with panel discussions and keynote speeches that addressed the evolving challenges and opportunities in fintech. Industry leaders emphasized the need for continued innovation to keep pace with rapidly changing consumer expectations and technological advancements.

Industry Implications: The recognition bestowed by American Banker is more than ceremonial—it is a barometer of the trends that will shape the future of finance. By spotlighting the best and brightest in fintech innovation, the awards provide valuable insights into where the industry is heading. For startups and established companies alike, the focus is clear: innovate relentlessly or risk being left behind in a market that rewards agility and creativity.

Commentary: The celebration of innovation in the financial sector through awards such as these is both a reflection of past achievements and a roadmap for future progress. In my view, the American Banker Innovation of the Year Awards encapsulate the spirit of fintech—a relentless drive to challenge conventional wisdom and push the boundaries of what is possible. For industry veterans and newcomers alike, these accolades serve as a reminder that the future of finance is built on bold ideas, strategic risk-taking, and an unwavering commitment to customer excellence.

Source: PR Newswire


In-Depth Analysis and Broader Implications for the Fintech Ecosystem

The Evolving Landscape of Global Finance

The five stories outlined above are not isolated incidents but rather interconnected pieces of a larger narrative that is reshaping the global financial landscape. Today’s fintech news reflects a convergence of innovative technologies, strategic investments, and evolving consumer expectations. Here, we examine some of the broader implications for the industry.

1. The Shift Toward Digital-First Financial Services

Over the past decade, digital banking, mobile payments, and blockchain technology have disrupted traditional financial models. The success of companies like Enza and Chime is a testament to the fact that consumers increasingly favor convenience, speed, and transparency over legacy banking systems. This shift is forcing traditional financial institutions to reexamine their strategies, invest in technology, and forge partnerships with fintech innovators. The integration of digital-first solutions not only improves efficiency but also drives financial inclusion, particularly in emerging markets.

2. The Role of Strategic Investment in Driving Innovation

Investment is the lifeblood of the fintech industry. The substantial seed funding secured by Enza underscores the importance of capital in fueling growth and innovation. Venture capital firms, private equity investors, and even corporate investors are betting big on fintech because they recognize the enormous potential for returns. These investments not only provide the necessary resources for startups to scale but also create an environment where experimentation and risk-taking can lead to breakthroughs in financial technology.

3. Technology as the Catalyst for Change

The integration of advanced technologies—whether it’s generative AI, blockchain, or machine learning—has become central to the evolution of fintech. The recent webinar featuring AWS and Nvidia highlights how these technologies are being harnessed to develop smarter, more efficient financial solutions. As technology continues to evolve, the gap between traditional banking methods and modern fintech solutions is expected to widen, driving further innovation and transforming consumer expectations.

4. The Importance of Regulatory Adaptation

As fintech continues to disrupt established norms, regulatory bodies are increasingly focused on ensuring that innovation does not come at the cost of consumer protection or market stability. While rapid technological advancements can sometimes outpace regulatory frameworks, industry leaders and policymakers are engaged in ongoing dialogues to craft balanced policies that foster innovation while safeguarding stakeholders. This regulatory evolution is critical for maintaining trust in a rapidly changing financial ecosystem.

5. Building a Resilient and Inclusive Financial Future

One of the most compelling aspects of the current fintech revolution is its potential to foster financial inclusion on a global scale. By leveraging technology to reduce barriers to entry, companies like Enza are expanding access to financial services in underbanked regions. This democratization of finance not only drives economic growth but also empowers individuals and communities that have traditionally been sidelined by conventional financial systems.

Reflections on the Future of Fintech

Looking ahead, the fintech industry appears poised for sustained growth and transformation. As innovations continue to emerge, several key trends are likely to shape the future:

  • Increased Collaboration: The lines between traditional banks, fintech startups, and technology giants will continue to blur. Strategic collaborations, much like the partnerships seen in the generative AI webinar, will be crucial for driving industry-wide transformation.

  • Personalized Financial Services: Advances in data analytics and AI will pave the way for highly personalized financial solutions that cater to individual consumer needs. This trend will not only enhance customer satisfaction but also create new revenue streams for financial service providers.

  • Global Expansion: As evidenced by Enza’s expansion into African markets, fintech innovation is becoming a global phenomenon. Companies that can adapt to local market conditions while maintaining a scalable, global vision will be best positioned to succeed.

  • Sustainability and Ethical Finance: With the growing emphasis on social responsibility, the future of fintech will likely see increased integration of sustainable practices and ethical finance. Stakeholders will demand transparency, accountability, and a commitment to environmental and social governance.


Op-Ed: The Intersection of Innovation, Investment, and Regulation

As an industry observer, I have witnessed firsthand how the fintech landscape has evolved from a niche sector into a global powerhouse. The stories we’ve covered today are emblematic of a broader movement—one that challenges the status quo and redefines how we think about money, technology, and consumer empowerment.

The Power of Visionary Leadership

At the heart of these developments is visionary leadership. Whether it’s a dynamic CEO steering a company toward new horizons or a team of innovators pushing the boundaries of what’s possible with AI, the driving force behind fintech innovation is a blend of passion, insight, and strategic foresight. Leaders like Igor Izraylevych exemplify how traditional financial expertise can be married with technological innovation to create solutions that are both practical and transformative.

Embracing the Disruption

There is no denying that disruption is at the core of fintech’s appeal. The ability to challenge entrenched systems, break free from legacy models, and introduce agile, customer-centric solutions is what makes fintech so compelling. However, disruption also comes with challenges—chief among them is the need to balance rapid innovation with the stability and security that consumers expect from their financial institutions. The recent advances in instant banking services by Chime serve as a case study in how to successfully navigate this delicate balance.

Investment as a Beacon of Confidence

The robust flow of investment into fintech startups is more than just a financial transaction—it’s a vote of confidence in the future of the industry. The substantial seed funding for Enza is not only an endorsement of its business model but also a signal that investors are increasingly optimistic about the potential of fintech to transform economies and drive global growth. This influx of capital is vital for sustaining momentum and encouraging continuous innovation, particularly in regions that have historically been underserved by traditional financial institutions.

Regulatory Evolution: A Double-Edged Sword

While the pace of innovation in fintech is exhilarating, it is equally important to recognize the role of regulation in shaping the industry’s trajectory. Regulators worldwide are tasked with the challenging role of safeguarding consumers while also fostering an environment that encourages innovation. The delicate interplay between regulatory oversight and technological advancement will undoubtedly remain a central theme in fintech’s evolution. Ultimately, finding the right balance is key to ensuring that the benefits of fintech innovation are widely distributed and that risks are managed prudently.

The Human Element in a Digital World

Amidst all the technological marvels and disruptive innovations, it is crucial to remember that fintech is, at its core, about people. It’s about providing individuals and communities with the tools they need to achieve financial stability, pursue entrepreneurial dreams, and improve their quality of life. The democratization of financial services—whether through enhanced access to banking, personalized financial management, or innovative lending solutions—is what truly defines the transformative power of fintech.


The Role of Generative AI in Financial Innovation

The integration of generative AI into fintech is perhaps one of the most exciting trends of our time. This technology has the potential to revolutionize data analysis, customer service, and fraud detection. By automating complex processes and generating actionable insights, generative AI is transforming the way financial institutions operate. The partnership between AWS and Nvidia, as highlighted in the recent webinar, is a prime example of how leading tech companies are collaborating to unlock these possibilities.

Key Aspects of Generative AI in Fintech:

  • Enhanced Data Analysis: Generative AI algorithms can sift through vast amounts of data at unprecedented speeds, identifying patterns and trends that may be invisible to the human eye. This capability is essential for risk assessment, portfolio management, and customer insights.

  • Improved Customer Experience: By enabling real-time, personalized interactions, generative AI enhances the overall customer journey. From tailored financial advice to efficient customer support, the technology is poised to deliver a level of service that meets the demands of modern consumers.

  • Fraud Detection and Security: In an era where cyber threats are a growing concern, generative AI plays a crucial role in strengthening security protocols. Its ability to recognize anomalies and detect fraudulent activities in real time is a game changer for the financial services industry.

Digital Transformation in Traditional Banking

Traditional banks are no longer insulated from the pressures of digital transformation. With fintech innovations forcing a rapid rethinking of service delivery, legacy institutions are increasingly turning to technology to remain competitive. The digital transformation journey involves:

  • Adopting Cloud Solutions: The migration to cloud-based infrastructures has enabled banks to streamline operations, enhance scalability, and reduce costs.

  • Integrating Mobile Technologies: With the rise of mobile banking, financial institutions are prioritizing the development of user-friendly apps that offer robust features and seamless functionality.

  • Leveraging Big Data: Data-driven decision-making is at the heart of modern finance. Banks are investing in analytics to gain deeper insights into customer behavior, market trends, and operational efficiencies.

Bridging the Gap: Collaboration Between Fintech and Traditional Finance

One of the most compelling aspects of the current fintech narrative is the increasing collaboration between startups and established financial institutions. These partnerships are crucial for:

  • Expanding Market Reach: Fintech startups bring innovative solutions and agile methodologies, while traditional banks offer extensive customer networks and deep-rooted trust. The symbiosis between these entities can lead to mutually beneficial outcomes.

  • Sharing Expertise: Collaboration enables the exchange of ideas, technology, and best practices, driving overall industry improvement.

  • Accelerating Innovation: Joint ventures and strategic alliances allow for faster deployment of new technologies and services, ultimately benefiting consumers through enhanced offerings.


Sector Spotlight: Fintech’s Impact on Global Markets

African Markets: A Hotbed for Fintech Disruption

Africa is emerging as a vibrant hub for fintech innovation. The continent’s unique challenges—such as limited access to traditional banking and a large unbanked population—present both obstacles and opportunities for fintech companies. Enza’s recent funding round is a clear indication that investors are beginning to see the potential in these markets. With the right mix of technology, local expertise, and regulatory support, African fintech startups can drive significant economic transformation.

Key Considerations for African Fintech:

  • Financial Inclusion: Innovative solutions tailored to local needs can bring financial services to millions who have been historically excluded from the formal banking system.

  • Mobile Penetration: High mobile phone usage across the continent provides a ready platform for the adoption of digital banking and payment solutions.

  • Regulatory Environment: While regulatory frameworks in many African countries are still developing, progressive policies can facilitate innovation while ensuring consumer protection.

European and Middle Eastern Markets: Innovation Amidst Tradition

The fintech landscape in Europe and the Middle East is characterized by a blend of established financial institutions and nimble startups. In these regions, the focus is on integrating innovative technologies into traditional financial frameworks, creating a dynamic environment where regulation, technology, and customer needs converge.

Key Considerations for EMEA Fintech:

  • Balancing Innovation and Regulation: The challenge lies in fostering an environment where innovation can thrive without compromising on security and consumer rights.

  • Cross-Border Collaboration: With diverse markets and regulatory standards, fintech companies in the region must navigate complex legal landscapes while striving for seamless integration of services.

  • Cultural Adaptation: Tailoring financial solutions to meet the unique cultural and economic needs of diverse markets is essential for long-term success.

The Global Fintech Convergence

As fintech becomes a truly global phenomenon, the interconnectivity between different regions is more evident than ever. Innovations in one market can rapidly influence trends in another, creating a ripple effect across the industry. The stories we’ve covered today—from seed funding in Africa to technological breakthroughs in Europe and the United States—underscore the fact that fintech is not confined by geographical boundaries. Instead, it is a dynamic, interconnected ecosystem that thrives on diversity, collaboration, and shared knowledge.


Strategic Insights for Investors and Industry Leaders

Investors and industry leaders face an array of challenges as they seek to capitalize on the fast-paced developments within fintech. Market volatility, regulatory shifts, and technological disruptions all contribute to an environment where strategic foresight is essential. Here are some key considerations:

  • Due Diligence: Rigorous evaluation of fintech startups and innovative projects is critical. Investors must balance the promise of groundbreaking technology with the inherent risks associated with early-stage ventures.

  • Portfolio Diversification: Given the rapidly evolving nature of fintech, diversifying investments across different segments—such as digital banking, payment systems, and blockchain technology—can mitigate risks and maximize returns.

  • Long-Term Vision: While short-term fluctuations are inevitable, the long-term trajectory of fintech is decidedly upward. Industry leaders should focus on sustainable growth strategies that align with broader technological trends and consumer demands.

Embracing Change: The Role of Innovation in Shaping Future Strategies

For financial institutions and fintech startups alike, embracing innovation is not just an option—it’s a necessity. The integration of advanced technologies, such as generative AI and blockchain, into everyday financial operations is setting new standards for efficiency, security, and customer satisfaction. The stories we’ve covered today illustrate that the path forward involves a blend of strategic investment, collaborative partnerships, and an unwavering commitment to technological advancement.

The Future of Regulatory Collaboration

A key takeaway from the current fintech landscape is the importance of regulatory collaboration. Policymakers, industry leaders, and technology providers must work together to create frameworks that encourage innovation while protecting consumers. As regulators become more agile and responsive to technological advancements, the industry can expect a more balanced and supportive environment for future growth.


Expert Opinions and Thought Leadership

Voices from the Field

To provide a well-rounded perspective on these developments, we reached out to several industry experts who shared their insights on the future of fintech. Although their views vary, a common theme emerged: the intersection of technology and finance is set to redefine the economic landscape in profound ways.

Expert Commentary:

  • On the African Fintech Revolution: “The success of companies like Enza is a testament to the transformative power of technology. When you combine innovative financial solutions with a market that is eager for change, the possibilities are endless,” remarked an investment analyst specializing in emerging markets.

  • On the Role of AI in Fintech: “Generative AI is not just a buzzword—it’s a tangible tool that can revolutionize how we process information and make decisions. The partnership between AWS and Nvidia is a clear indicator that the financial services sector is entering a new era of technological sophistication,” noted a leading fintech strategist.

  • On Collaboration Between Banks and Startups: “The future belongs to those who can bridge the gap between legacy systems and modern technology. Strategic partnerships and open innovation are the keys to driving meaningful change in the industry,” commented a veteran financial executive.

Integrating Diverse Perspectives

The insights from these experts underscore the complexity and promise of the fintech revolution. As we navigate this rapidly changing landscape, it is essential to consider a multitude of viewpoints—from the disruptive potential of new technologies to the pragmatic challenges of integrating them within established systems. These diverse perspectives enrich our understanding of the industry and highlight the multifaceted nature of the challenges and opportunities that lie ahead.


Conclusion: A New Era of Financial Innovation

As we wrap up today’s briefing, it is clear that the fintech industry is at a critical juncture. The developments covered in this article—from Enza’s ambitious expansion in Africa to Chime’s bold new banking services, from the innovative strategies of Swiss fintech leaders to the transformative insights on generative AI—paint a picture of an industry that is both dynamic and resilient.

The convergence of innovative technologies, strategic investments, and evolving regulatory frameworks is creating an environment where the future of finance is being rewritten every day. Whether you are an investor looking for the next big opportunity, a technology enthusiast eager to explore the latest breakthroughs, or a consumer interested in how these changes might affect your financial life, the story of fintech is one of continuous evolution and boundless potential.

As the digital transformation of finance continues to accelerate, one thing is certain: the journey is just beginning. The challenges are many, but so are the opportunities. In this new era of financial innovation, those who embrace change, invest in technology, and foster collaboration across borders will be best positioned to succeed.

Thank you for joining us for today’s in-depth analysis on the future of fintech. We look forward to bringing you more insights, expert opinions, and news highlights in tomorrow’s edition of Fintech Pulse.