FinTech - Is There a Domino Effect?

I think one of the things that there's a bit of a risk of a domino effect here because banks might want to own some of this infrastructure particularly things like banking as a service rails. And so definitely for the FinTech ecosystem if I was to spin a slightly negative tone to all this lovely collaboration that might happen is that actually we might see a whole host of startups and they lose their infrastructure providers. It's particularly at the early stage where the resources aren't especially high to be able to create big pieces of infrastructure in-house. But generally if I think about like an acquisition as a way to drive digital transformation I don't think you would ever sort of acquire a smaller player and

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