Are the Central Banks Really Engaging?

I think what the central banks have done in the last five years compared to the five years before that is a lot more progressive, right? I don't know if they're moving fast enough. Fintechs are starting to trouble them, but not really, at least in this region. Some central bank, they're engaging more than others. But we always have fintech, we all require more, we require more attention. That's my first question to you. Then I'll pivot to the banks, right? Every bank fears the fintechs, but at the same time it doesn't, right? It's kind of, it's in that sort of situation where

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