FinTech - What Are You Embracing?

I know we went through a really intense up and down hype cycle around crypto and coins during the pandemic. So talk to me a little bit about where you see things going in in FinTech. What I get really excited about is more how we can use technology to provide access to products and services or greatly reduce the cost of these offerings to more and more people. It's highly regulated there's a high barrier to entry. There's a lot of established players with a lot of you know manual older expensive processes which that really translates into people getting less access to financial products they might need. Or maybe they have to pay more for them than they really should be.