Where Do You Think AI Will Have the Biggest Impact?

At MasterCard itself, we are deploying AI at scale both in the consumer marketing and B2D marketing. We have created a complete digital marketing engine which is end to end in Asia, Pacific. It predicts the micro trends that are going to happen in the next 48 hours, next 72 hours. Once it decides that this is the offer or this is the message that we want to communicate, it creates that message right now in a static form. And then it serves in the right media. So for us, so what happens is that really frees up the time and focus of the product people, of the sales people, and of the finance people to construct the deal as opposed to responding