They are building a platform where other companies are clearly just selling a product. Identity verification is definitely something that gets better with more

They are building a platform where other companies are clearly just selling a product. Identity verification is definitely something that gets better with more data as more people use it. Pricing low to gain market-share is the obvious move for companies which don't have pressure to show immediate returns. Maybe it shows a more general difference in ambition between companies in the UK to those across the pond.