Well you know how those Aussies just love kiwi companies crossing the ditch and telling them 'we know better'. There are a long list of kiwi corporates that have gone to Australia and come back with their figurative 'tails between their legs' following such a strategy. Challenger Bank gives Heartland a 'truly Australian face'. And you can't say that Heartland isn't hiding the fact that, even so, it won't be a walkover: 'Challenger' in this context is both a noun and an adjective.
SNOOPY