[Music] [Applause]
when I sat down with my wife and told
when I sat down with my wife and told her that I was gonna do a TEDx talk she
her that I was gonna do a TEDx talk she
her that I was gonna do a TEDx talk she suggested that I come onstage with a
suggested that I come onstage with a
suggested that I come onstage with a loaf of gluten-free bread and an avocado
loaf of gluten-free bread and an avocado
loaf of gluten-free bread and an avocado and smash them together to make smashed
and smash them together to make smashed
and smash them together to make smashed avocado but we settled with me doing an
avocado but we settled with me doing an
avocado but we settled with me doing an Ellen DeGeneres selfie all right so on
Ellen DeGeneres selfie all right so on
Ellen DeGeneres selfie all right so on three I want everyone to say smashed
three I want everyone to say smashed
three I want everyone to say smashed avocado all right you ready turn this
avocado all right you ready turn this
avocado all right you ready turn this around one two three
around one two three
around one two three smash that photos gonna go viral for
smash that photos gonna go viral for
smash that photos gonna go viral for sure all right my name is Nick I’m a
sure all right my name is Nick I’m a
sure all right my name is Nick I’m a millennial at 75% of my customers are
millennial at 75% of my customers are
millennial at 75% of my customers are Millennials and I’m here to set the
Millennials and I’m here to set the
Millennials and I’m here to set the record straight about us so some
record straight about us so some
record straight about us so some background on me I’m a 27 year old
background on me I’m a 27 year old
background on me I’m a 27 year old serial entrepreneur I which basically
serial entrepreneur I which basically
serial entrepreneur I which basically means I’ve never had a secure paycheck I
means I’ve never had a secure paycheck I
means I’ve never had a secure paycheck I managed to sell the most jewelry on eBay
managed to sell the most jewelry on eBay
managed to sell the most jewelry on eBay while I was at uni when I was 19 out of
while I was at uni when I was 19 out of
while I was at uni when I was 19 out of my bedroom which led me then to co-found
my bedroom which led me then to co-found
my bedroom which led me then to co-found a business called after pay what after
a business called after pay what after
a business called after pay what after pay does is essentially allow someone
pay does is essentially allow someone
pay does is essentially allow someone who’s buying a 200 old address to pay
who’s buying a 200 old address to pay
who’s buying a 200 old address to pay for payments of $50 so cost the customer
for payments of $50 so cost the customer
for payments of $50 so cost the customer nothing extra we pay the retailer’s
nothing extra we pay the retailer’s
nothing extra we pay the retailer’s straightaway and we take all the risk
straightaway and we take all the risk
straightaway and we take all the risk we’ve grown really quickly which has
we’ve grown really quickly which has
we’ve grown really quickly which has been largely driven by Millennials a bit
been largely driven by Millennials a bit
been largely driven by Millennials a bit over two years ago when we started we
over two years ago when we started we
over two years ago when we started we had less than ten retailers we’ve now
had less than ten retailers we’ve now
had less than ten retailers we’ve now got over 7,000 retailers we have a
got over 7,000 retailers we have a
got over 7,000 retailers we have a couple thousand customers we’ve now got
couple thousand customers we’ve now got
couple thousand customers we’ve now got over a million customers and we process
over a million customers and we process
over a million customers and we process annualized sales through our platform of
annualized sales through our platform of
annualized sales through our platform of over a billion dollars so we’ve grown
over a billion dollars so we’ve grown
over a billion dollars so we’ve grown really quickly when I was building my
really quickly when I was building my
really quickly when I was building my business I believed that if I could
business I believed that if I could
business I believed that if I could drive mass millennial adoption it would
drive mass millennial adoption it would
drive mass millennial adoption it would drive mainstream adoption and I’ve been
drive mainstream adoption and I’ve been
drive mainstream adoption and I’ve been really privileged to watch how
really privileged to watch how
really privileged to watch how Millennials are shifting society
Millennials are shifting society
Millennials are shifting society Millennials generally genuinely
Millennials generally genuinely
Millennials generally genuinely influence the older generation
influence the older generation
influence the older generation they educate them to engage in services
they educate them to engage in services
they educate them to engage in services that make life more enjoyable
that make life more enjoyable
that make life more enjoyable so being 27 I fit smack bang in the in
so being 27 I fit smack bang in the in
so being 27 I fit smack bang in the in the middle of the Millennial cohort and
the middle of the Millennial cohort and
the middle of the Millennial cohort and I fit the profile to a tee what concerns
I fit the profile to a tee what concerns
I fit the profile to a tee what concerns me or what is upsetting for me is the
me or what is upsetting for me is the
me or what is upsetting for me is the stereotypes that are thrown our way and
stereotypes that are thrown our way and
stereotypes that are thrown our way and they really cloud us from talking about
they really cloud us from talking about
they really cloud us from talking about the true legacy that millenials are
the true legacy that millenials are
the true legacy that millenials are leaving our instantaneous gratification
leaving our instantaneous gratification
leaving our instantaneous gratification gene does sometimes get in the way and
gene does sometimes get in the way and
gene does sometimes get in the way and distract us from taking the time to
distract us from taking the time to
distract us from taking the time to think about what certain scenario that
think about what certain scenario that
think about what certain scenario that I’m certain scenarios deserve so
I’m certain scenarios deserve so
I’m certain scenarios deserve so Millennials are shifting society we’re
Millennials are shifting society we’re
Millennials are shifting society we’re leaving a legacy but is that the legacy
leaving a legacy but is that the legacy
leaving a legacy but is that the legacy that we want to leave so I’d like to
that we want to leave so I’d like to
that we want to leave so I’d like to introduce the concept of Mille Emma’s
introduce the concept of Mille Emma’s
introduce the concept of Mille Emma’s these are the Millennial dilemmas their
these are the Millennial dilemmas their
these are the Millennial dilemmas their life’s big little problems so how I
life’s big little problems so how I
life’s big little problems so how I think of Mille Emma’s it’s the everyday
think of Mille Emma’s it’s the everyday
think of Mille Emma’s it’s the everyday hurdles of the older generation as
hurdles of the older generation as
hurdles of the older generation as they’re experienced by the millennial
they’re experienced by the millennial
they’re experienced by the millennial generation and Mille Emma’s are real you
generation and Mille Emma’s are real you
generation and Mille Emma’s are real you need to be in the Millennial Club to
need to be in the Millennial Club to
need to be in the Millennial Club to understand them and know that they’re
understand them and know that they’re
understand them and know that they’re real I saw something really funny on
real I saw something really funny on
real I saw something really funny on Instagram the other day it said there
Instagram the other day it said there
Instagram the other day it said there should be a millennial edition of
should be a millennial edition of
should be a millennial edition of Monopoly where everyone just walks
Monopoly where everyone just walks
Monopoly where everyone just walks around the board paying rent no one
around the board paying rent no one
around the board paying rent no one actually buys anything but that’s it
actually buys anything but that’s it
actually buys anything but that’s it that’s at room ulema right and sure
that’s at room ulema right and sure
that’s at room ulema right and sure Millennials are guilty of many things we
Millennials are guilty of many things we
Millennials are guilty of many things we have our generational quirks we have our
have our generational quirks we have our
have our generational quirks we have our superficial side but these stereotypes
superficial side but these stereotypes
superficial side but these stereotypes have really opened us up to outright
have really opened us up to outright
have really opened us up to outright character assassination at times and
character assassination at times and
character assassination at times and this frustrates me because more than any
this frustrates me because more than any
this frustrates me because more than any generation in history Millennials have
generation in history Millennials have
generation in history Millennials have the opportunity to leave a deep lasting
the opportunity to leave a deep lasting
the opportunity to leave a deep lasting and positive change so it’s time to stop
and positive change so it’s time to stop
and positive change so it’s time to stop being the generation that gets written
being the generation that gets written
being the generation that gets written off and become the generation that
off and become the generation that
off and become the generation that rewrites history so let’s dive a bit
rewrites history so let’s dive a bit
rewrites history so let’s dive a bit deeper into our everyday Mille Emmas
deeper into our everyday Mille Emmas
deeper into our everyday Mille Emmas Mille EMA number one we are absolutely
Mille EMA number one we are absolutely
Mille EMA number one we are absolutely guilty of instantaneous gratification we
guilty of instantaneous gratification we
guilty of instantaneous gratification we live in the moment we live for
live in the moment we live for
live in the moment we live for instantaneous gratification I’m not
instantaneous gratification I’m not
instantaneous gratification I’m not gonna lie I was in and over on the way
gonna lie I was in and over on the way
gonna lie I was in and over on the way home from work last week and I did order
home from work last week and I did order
home from work last week and I did order beats while I was in the uber and it was
beats while I was in the uber and it was
beats while I was in the uber and it was kind of a race
kind of a race
kind of a race if who was gonna get there first we live
if who was gonna get there first we live
if who was gonna get there first we live for our five-star Eber ratings we live
for our five-star Eber ratings we live
for our five-star Eber ratings we live for our 50 Instagram likes but that’s
for our 50 Instagram likes but that’s
for our 50 Instagram likes but that’s understandable because we have grown up
understandable because we have grown up
understandable because we have grown up in being at the forefront of this
in being at the forefront of this
in being at the forefront of this technology revolution where the early
technology revolution where the early
technology revolution where the early adopter in all the main technologies
adopter in all the main technologies
adopter in all the main technologies that are coming through so looking at it
that are coming through so looking at it
that are coming through so looking at it from a positive life I believe it means
from a positive life I believe it means
from a positive life I believe it means we’re very decisive we’re insured if we
we’re very decisive we’re insured if we
we’re very decisive we’re insured if we trust our gut and we put stuff out into
trust our gut and we put stuff out into
trust our gut and we put stuff out into the world and then the world gives us
the world and then the world gives us
the world and then the world gives us real-time positive feedback on whether
real-time positive feedback on whether
real-time positive feedback on whether it was the right or wrong thing we fail
it was the right or wrong thing we fail
it was the right or wrong thing we fail fast and we’re always learning the lemon
fast and we’re always learning the lemon
fast and we’re always learning the lemon number two irresponsible this is an
number two irresponsible this is an
number two irresponsible this is an outright myth my business has been
outright myth my business has been
outright myth my business has been driven off the growth of debit cards two
driven off the growth of debit cards two
driven off the growth of debit cards two out of every three transactions in
out of every three transactions in
out of every three transactions in Australia are processed on a debit card
Australia are processed on a debit card
Australia are processed on a debit card not a credit card and 90% of my
not a credit card and 90% of my
not a credit card and 90% of my afterplay auditors use a debit card what
afterplay auditors use a debit card what
afterplay auditors use a debit card what happened or what god why the trends
happened or what god why the trends
happened or what god why the trends being driven through is that Millennials
being driven through is that Millennials
being driven through is that Millennials feel responsible by using their debit
feel responsible by using their debit
feel responsible by using their debit card links into their bank balance so
card links into their bank balance so
card links into their bank balance so when the global financial crisis hit the
when the global financial crisis hit the
when the global financial crisis hit the middle millennial being myself we just
middle millennial being myself we just
middle millennial being myself we just turned 18 and it sent this shock through
turned 18 and it sent this shock through
turned 18 and it sent this shock through society to say you should spend money
society to say you should spend money
society to say you should spend money that you have spend money and be
that you have spend money and be
that you have spend money and be responsible
responsible
responsible Millennials are really really
Millennials are really really
Millennials are really really responsible and it’s an absolute
responsible and it’s an absolute
responsible and it’s an absolute misconception the lament of the three
misconception the lament of the three
misconception the lament of the three entitled and disloyal this is this is my
entitled and disloyal this is this is my
entitled and disloyal this is this is my favorite misconception
favorite misconception
favorite misconception everyone says that Millennials are
everyone says that Millennials are
everyone says that Millennials are disloyal but actually Millennials are
disloyal but actually Millennials are
disloyal but actually Millennials are very loyal in fact they’re vocally loyal
very loyal in fact they’re vocally loyal
very loyal in fact they’re vocally loyal to brands which deserve their support
to brands which deserve their support
to brands which deserve their support the bar to loyalty is really high but
the bar to loyalty is really high but
the bar to loyalty is really high but when Millennials believe in the brand
when Millennials believe in the brand
when Millennials believe in the brand and they’ve had a true connection in the
and they’ve had a true connection in the
and they’ve had a true connection in the brand cos it’s made them feel special
brand cos it’s made them feel special
brand cos it’s made them feel special it’s built a proper relationship
it’s built a proper relationship
it’s built a proper relationship Millennials are vocally loyal I I swear
Millennials are vocally loyal I I swear
Millennials are vocally loyal I I swear I had absolutely nothing to do with this
I had absolutely nothing to do with this
I had absolutely nothing to do with this but my customers they made a group on
but my customers they made a group on
but my customers they made a group on Facebook called we love after pay and it
Facebook called we love after pay and it
Facebook called we love after pay and it has over a hundred thousand members so
has over a hundred thousand members so
has over a hundred thousand members so millennium Millennials are really
millennium Millennials are really
millennium Millennials are really vocally loyal to brands that deserve
vocally loyal to brands that deserve
vocally loyal to brands that deserve their loyalty oh let’s look at entitled
their loyalty oh let’s look at entitled
their loyalty oh let’s look at entitled Millennials in the workforce you know
Millennials in the workforce you know
Millennials in the workforce you know you want to have a long and rewarding
you want to have a long and rewarding
you want to have a long and rewarding career but you haven’t been given enough
career but you haven’t been given enough
career but you haven’t been given enough responsibility you’re not challenged you
responsibility you’re not challenged you
responsibility you’re not challenged you haven’t been promoted in months many
haven’t been promoted in months many
haven’t been promoted in months many employers look at this as a sense of
employers look at this as a sense of
employers look at this as a sense of impatience or entitlement don’t get me
impatience or entitlement don’t get me
impatience or entitlement don’t get me wrong it has to be managed but these
wrong it has to be managed but these
wrong it has to be managed but these traits and this entrepreneurial spirit
traits and this entrepreneurial spirit
traits and this entrepreneurial spirit is incredible with its harnessed in the
is incredible with its harnessed in the
is incredible with its harnessed in the right way when you think about the
right way when you think about the
right way when you think about the economic environment that we have grown
economic environment that we have grown
economic environment that we have grown up
up
up it’s been almost perfect we haven’t had
it’s been almost perfect we haven’t had
it’s been almost perfect we haven’t had an economic downturn we haven’t had high
an economic downturn we haven’t had high
an economic downturn we haven’t had high unemployment and actually the opposites
unemployment and actually the opposites
unemployment and actually the opposites been true because we were at the
been true because we were at the
been true because we were at the forefront of this technology revolution
forefront of this technology revolution
forefront of this technology revolution we were the early adopters we were
we were the early adopters we were
we were the early adopters we were really highly demanded resource so we’ve
really highly demanded resource so we’ve
really highly demanded resource so we’ve never had a problem getting work so our
never had a problem getting work so our
never had a problem getting work so our upbringing economic environment has
upbringing economic environment has
upbringing economic environment has perfectly fostered a confident
perfectly fostered a confident
perfectly fostered a confident entrepreneurial spirit that just wants
entrepreneurial spirit that just wants
entrepreneurial spirit that just wants to write if they believe in a purpose
to write if they believe in a purpose
to write if they believe in a purpose they’ll do everything they can to get
they’ll do everything they can to get
they’ll do everything they can to get things done and a number of social
things done and a number of social
things done and a number of social commentators have been very vocal about
commentators have been very vocal about
commentators have been very vocal about Millennials in the workforce
Millennials in the workforce
Millennials in the workforce saying we are driven by free food and
saying we are driven by free food and
saying we are driven by free food and bean bags and that we’re social-media
bean bags and that we’re social-media
bean bags and that we’re social-media addicts who are hopelessly entitled
addicts who are hopelessly entitled
addicts who are hopelessly entitled because our parents have inadvertently
because our parents have inadvertently
because our parents have inadvertently destroyed us I know it’s true but when I
destroyed us I know it’s true but when I
destroyed us I know it’s true but when I look at it
look at it
look at it my parents they encouraged me to
my parents they encouraged me to
my parents they encouraged me to negotiate they encouraged me to find
negotiate they encouraged me to find
negotiate they encouraged me to find angles they rewarded me for challenging
angles they rewarded me for challenging
angles they rewarded me for challenging the status quo and for speaking my mind
the status quo and for speaking my mind
the status quo and for speaking my mind so here’s what I think I think
so here’s what I think I think
so here’s what I think I think Millennials have grit call it entitled
Millennials have grit call it entitled
Millennials have grit call it entitled or disloyal if you want to but
or disloyal if you want to but
or disloyal if you want to but Millennials have perseverance we have a
Millennials have perseverance we have a
Millennials have perseverance we have a mindset that cannot be taught or trained
mindset that cannot be taught or trained
mindset that cannot be taught or trained it’s come through the coming together of
it’s come through the coming together of
it’s come through the coming together of a perfect economic environment and being
a perfect economic environment and being
a perfect economic environment and being at the forefront of this technology
at the forefront of this technology
at the forefront of this technology revolution we will run through walls to
revolution we will run through walls to
revolution we will run through walls to get something done if it’s for a purpose
get something done if it’s for a purpose
get something done if it’s for a purpose we truly believe in when you think about
we truly believe in when you think about
we truly believe in when you think about all the businesses which have shifted
all the businesses which have shifted
all the businesses which have shifted society in recent times they’ve all been
society in recent times they’ve all been
society in recent times they’ve all been driven by Millennials whether it’s the
driven by Millennials whether it’s the
driven by Millennials whether it’s the social media revolution
social media revolution
social media revolution the shared economy revolution the music
the shared economy revolution the music
the shared economy revolution the music streaming or video streaming revolution
streaming or video streaming revolution
streaming or video streaming revolution they’re all driven by Millennials
they’re all driven by Millennials
they’re all driven by Millennials Millennials are the early adopters and
Millennials are the early adopters and
Millennials are the early adopters and they educate and influence the older
they educate and influence the older
they educate and influence the older generation and the mass-market to engage
generation and the mass-market to engage
generation and the mass-market to engage in services that make life more
in services that make life more
in services that make life more enjoyable Millennials are coming into
enjoyable Millennials are coming into
enjoyable Millennials are coming into their perfect point of power we are not
their perfect point of power we are not
their perfect point of power we are not the new kids on the block anymore we are
the new kids on the block anymore we are
the new kids on the block anymore we are not the people that the older generation
not the people that the older generation
not the people that the older generation are complaining about
are complaining about
are complaining about and the older bosses are complaining
and the older bosses are complaining
and the older bosses are complaining about we now are the bosses did you know
about we now are the bosses did you know
about we now are the bosses did you know that Millennials are australia’s largest
that Millennials are australia’s largest
that Millennials are australia’s largest population cohort and in just over ten
population cohort and in just over ten
population cohort and in just over ten years we will earn two out of every
years we will earn two out of every
years we will earn two out of every three dollars of income in Australia
three dollars of income in Australia
three dollars of income in Australia it’s pretty incredible it’s a little bit
it’s pretty incredible it’s a little bit
it’s pretty incredible it’s a little bit scary but it’s incredible we’re coming
scary but it’s incredible we’re coming
scary but it’s incredible we’re coming into our perfect point of power and the
into our perfect point of power and the
into our perfect point of power and the world is trusting us with their future
world is trusting us with their future
world is trusting us with their future but this instantaneous gratification
but this instantaneous gratification
but this instantaneous gratification gene that we’re guilty of is sometimes
gene that we’re guilty of is sometimes
gene that we’re guilty of is sometimes getting in the way of us taking the time
getting in the way of us taking the time
getting in the way of us taking the time certain scenarios deserve we’re leaving
certain scenarios deserve we’re leaving
certain scenarios deserve we’re leaving a legacy but is it really the legacy
a legacy but is it really the legacy
a legacy but is it really the legacy that we want to leave so without a doubt
that we want to leave so without a doubt
that we want to leave so without a doubt the biggest Malema
the biggest Malema
the biggest Malema is the Millennial legacy we are running
is the Millennial legacy we are running
is the Millennial legacy we are running at a million miles an hour but what we
at a million miles an hour but what we
at a million miles an hour but what we need to do is take a break take a breath
need to do is take a break take a breath
need to do is take a break take a breath think about what legacy we are leaving
think about what legacy we are leaving
think about what legacy we are leaving on this world I sure know it’s a mark
on this world I sure know it’s a mark
on this world I sure know it’s a mark that I want to be proud of and then
that I want to be proud of and then
that I want to be proud of and then decisions over the next five years are
decisions over the next five years are
decisions over the next five years are going to determine how generations for
going to determine how generations for
going to determine how generations for centuries to come remember the
centuries to come remember the
centuries to come remember the Millennial Generation when I avoided a
Millennial Generation when I avoided a
Millennial Generation when I avoided a corporate job and created my own destiny
corporate job and created my own destiny
corporate job and created my own destiny it was driven by the legacy that I
it was driven by the legacy that I
it was driven by the legacy that I wanted to leave I wanted to build things
wanted to leave I wanted to build things
wanted to leave I wanted to build things that make life so enjoyable and improve
that make life so enjoyable and improve
that make life so enjoyable and improve people’s life so much they think how did
people’s life so much they think how did
people’s life so much they think how did I actually live without this but beyond
I actually live without this but beyond
I actually live without this but beyond that I would love to be part of helping
that I would love to be part of helping
that I would love to be part of helping the Millennials shake off all these
the Millennials shake off all these
the Millennials shake off all these stereotypes that we don’t deserve I love
stereotypes that we don’t deserve I love
stereotypes that we don’t deserve I love my legacy to be helping melenik
my legacy to be helping melenik
my legacy to be helping melenik Millennials leave the legacy they
Millennials leave the legacy they
Millennials leave the legacy they deserve to leave let’s be known for grit
deserve to leave let’s be known for grit
deserve to leave let’s be known for grit for perseverance for applying our skills
for perseverance for applying our skills
for perseverance for applying our skills to make a real difference over the next
to make a real difference over the next
to make a real difference over the next five
five
five five years the world is going to be
five years the world is going to be
five years the world is going to be faced with incredibly important
faced with incredibly important
faced with incredibly important decisions decisions such as climate
decisions decisions such as climate
decisions decisions such as climate change inequality and aging population
change inequality and aging population
change inequality and aging population guess who’s going to have to make all
guess who’s going to have to make all
guess who’s going to have to make all these decisions we are the Millennials
these decisions we are the Millennials
these decisions we are the Millennials so let’s turn our Mille emma’s into
so let’s turn our Mille emma’s into
so let’s turn our Mille emma’s into opportunities and make sure we leave a
opportunities and make sure we leave a
opportunities and make sure we leave a legacy that makes us proud so if I can
legacy that makes us proud so if I can
legacy that makes us proud so if I can finish by asking you one thing please
finish by asking you one thing please
finish by asking you one thing please take a moment to breathe please think
take a moment to breathe please think
take a moment to breathe please think hard about what legacy you want to leave
hard about what legacy you want to leave
hard about what legacy you want to leave on this world your time is now thank you
on this world your time is now thank you
on this world your time is now thank you [Applause]
[Applause]
[Applause] [Music]
”
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