Well, in short, Kernel is an online investment platform that provides a low-cost way of accessing a choice of funds for self-directed investors* We're starting to see the future here where the digital portals are becoming more plentiful in NZ. The market is not saturated by any means, but going forward it's going to be important for some of these platforms to differentiate themselves from their competitors. The secret sauce with Kernel I believe, is in the people. Dean Anderson's background is more than a little qualified to bring an offering to the market. After spending a number of years in the financial services industry, Dean realised that investment options needed to improve and investors deserve better. Taking a fresh approach to the investment sector, he created Kernel – a digital wealth solution where innovation meets investment. On the back of five years as Head of Product at a large ETF provider; he is an expert at creating, launching and developing index funds. Prior to that, Dean worked at the NZX specializing in data products, licensing and contracts. *Self-directed, DIY investors are not the only target market for Kernel. They have built functionality whereby independant financial advisers could use Kernel as the solution for clients. Check them out on https://kernelwealth.co.nz/ ... https://www.youtube.com/watch?v=gaE-Nezm9HE