Is There an Advantage for Fintechs for Working With Banks That Have Been Doing This for a Long Time?

Do you think there will be advantages for fintechs for working with banks that have been doing this longer and maybe have some different regulators? I'm thinking about you guys seem to have an interesting advantage where New York State at the DFS level has been dealing with fintech for quite some time. Do you see differences, I guess, is really the key question coming down to it.