How might Xinja ("Zin-ja") unleash the power of mobile & fintech innovation so that people can easily follow their money, have fun spending less than they earn, and enjoy the satisfaction of saving for the things they care about? These are the questions that get the best of my blood sweat and tears at Xinja, where we are working on building Australia's first fully digital, made for mobile bank, or 'neobank'. We're not a bank yet, but we want to be. At Xinja I have the privilege of combining my passions for technology with my passions for creating innovative customer experiences that make life lower maintenance, less stressful and more rewarding for people when it comes to dealing with money. Xinja provides a blank digital canvas from which anything is possible; a canvas free from the silos, politics, clunky IT, manual processes, conflicting KPIs, and intractable resistance to change, all of which can be barriers to being a customer experience led organisation. We start with cultural obsession with customer empathy that gets us to the heart of the complexity and workarounds that people are dealing with. We then sprinkle on some Xinja magic, imagination and scientific curiosity about what data and technology could make possible. This generates mountains of ideas, some of which we make tough decisions on and let go, whilst others go to the next stage.