How Did You Build a Financial Service Stack in Not 30 Years?

Canadians have experienced the aircorts on boarding process to create account at other banks. Is that a tough cell for your customers? Cause by your own admission, you're in a market where they don't netlly expect differentation her and can't naturally conceive of a better experience. And i assume that if you came to them, unlike us, where we're like hipes about it, ah, hey, we have a modern tex stack we built ourselves, their ears would start bleeding.