The Future of the as a Service Space

We touched on the as a service type of space and that has definitely been in the broader financial world. The last half decade, especially this boom in more niche down instead of big, big players doing everything. Do you think there's going to be some consolidation with some of these legacy as a service providers that didn't innovate well enough? I think the ones that are going to win over the next decade are going to be the ones that ship new product features very fast and just continue to innovate for their customers.