Is Fintech Driving Retail the Future of Banking?

I think we're on the kind of tipping point in terms of mass expansion, because ultimately some brands have really been forward thinking and really taking that leap first. And I think you're going to see ecosystem of providers coming together to provide definitive, singular customer experiences. You know, buying now pay later makes sense in a certain avenue or in a certain scenario. In other scenarios, it just probably isn't possible. So there is a moral and an ethic value to this. For us, you know, it's in the DNA of the way that we operate.