As one of the richest people, Raymond naturally had many acquaintances. "It's an honor to meet you. I'm a dentist and can provide you with dental care. This is my business card."
Wendell Granger handed over a business card with a polite smile.
"Have you ever thought about offering loan dental services?" Sean couldn't help himself when he saw a business opportunity.
"Sean!" Alice frowned, causing Sean to sneer and close his mouth.
Surprisingly, Wendell nodded. "I've thought about it, but the bank didn't provide the formalities, so I had no way to proceed."
"Okay, you men, go back and discuss these things. We are here to buy things for the children," Alice interrupted, looking around at the unfamiliar magical world. "I just didn't expect the magical world to actually exist..."
Wendell nodded in agreement. "Before I came here, I didn't believe it at all. If it weren't for Hermione's insistence, I wouldn't have come."
"But what do we do next? They told me in the bar just now that sterling can't be used here."
"Come with me," Sean said, leading the way towards Gringotts.
"I've read your paper; it's wonderful," Hermione suddenly said, walking up to Sean with admiration in her eyes.
"Ah, thank you. I wrote it casually."
"We have arrived," Sean announced, pushing open the door of Gringotts.
The halls of Gringotts were extraordinarily luxurious. About a hundred goblins sat behind long counters, hurrying with registrations, weighing coins, and inspecting gems.
Seeing the goblins for the first time, the four parents were visibly uncomfortable, standing at the door at a loss. Raymond, having seen many grand scenes, quickly followed Sean to a counter.
Behind the counter stood two goblins, one noticeably more refined, wearing an expensive-looking suit.
"Hello, I'd like to exchange pounds for some Galleons," Sean said, placing a suitcase on the table.
"British pounds can only be exchanged for 800 Galleons, no more," the goblin responded without looking up.
"Why? What if it's not enough?" Wendell asked with a frown.
Sean quickly deduced the reason, his expression unchanged. "I'm afraid it's to prevent inflation. After all, there are few people in the magical world, and goblins are much smarter than I thought."
The goblin finally raised his head, looking directly at Sean. But before he could feel proud, Sean's next words made the goblins around bristle with anger.
"It's a pity... You can't make money, alas..."
"Little wizard, do you know what happens to those who say goblins can't make money?" The goblin leaned forward, glaring at Sean.
Raymond pulled Sean behind him protectively. "Get out. Gringotts will never welcome you again," the goblin said coldly.
Sean's expression remained calm. "It's a pity you don't know how to leverage the gold mountain you have. You're complacent and can't listen to advice. It's no wonder you've only managed to open one bank in thousands of years."
With that, Sean turned to leave with his parents.
"Stop!" the goblin behind him suddenly called out.
Sean turned, finding the goblin in the delicate suit speaking this time. The badge on his chest read: General Manager of Gringotts: Hart.
"Since you say that, do you have a better way to earn Galleons?" Hart asked.
Sean's eyes narrowed. "Mr. Hart, how many Muggle-born students are there at Hogwarts each year?"
Raymond shivered at Sean's expression, knowing he had the upper hand.
Hart, intrigued, thought carefully before replying. "About forty or fifty percent."
Sean nodded. "Very good. So, if you limit or stop the exchange of gold Galleons, won't these kids have no money to go to school?"
Hart, still puzzled, nodded patiently.
"Then there's a big market gap. If you provide loans and have them repay the principal and interest in installments after graduation, won't you earn more?"
Hart pulled out a ledger and calculated for a few minutes. "Even if it's profitable, it takes eight years for a student to graduate. It's too risky to be unsure if they can pay it back."
Sean waved his hand dismissively. "Let's put this aside. Let's talk about the second point. In the wizarding world, if someone wants to buy a house in a prime location, they need a lot of Galleons, right?"
Hart's expression confirmed this truth.
"Then offer mortgages. It's another source of income."
"The risk is too high," Hart repeated.
Sean smirked. "Who said Gringotts has to bear the risk?"
Hart's eyes narrowed, intrigued by Sean's confident smile. He made a gesture of invitation, signaling for Sean to continue.
"You can sell the loan's creditor rights to wealthy wizarding families. While you earn less per transaction, your funds return immediately. Isn't that profitable?" Sean explained.
"Moreover, you can invest in wizards' businesses and secure a share of their profits. That's a significant amount of Galleons," Sean continued.
Hart, his interest piqued, leaned in closer. "Explain how the risk isn't on Gringotts."
"The risk isn't on Gringotts if you structure it correctly. The wealthy wizarding families, eager for profit, will shoulder the risk. You facilitate the transactions and take a commission. It's a win-win," Sean concluded.
Hart, now fully hooked, nodded slowly. "Interesting. Let's discuss this further."
Sean's face lit up with a victorious smile. His business acumen and quick thinking had opened a new door, not just for him but for Gringotts and the entire wizarding economy.
As the meeting continued, Raymond and Alice watched in awe, realizing their son was not just a wizard but a visionary.