What's Next in the Payments Space?

There are logical extensions in terms of some of the themes that we see. Like convenience, li have access to lk funds, being able to do that incredibly abstemlously. And so i think will increasingly see some onsolidation there as well as those bynopalates. As we've seen, we have to pay pushing into sort of like partnerships and extension with lie customers outside of that pure transaction. I'm dedfully more innovation around open banking and pushing into broader open finance. We may see the pendulum swing the way and get a lot more like paper consumption models rather than people going for all you can eat services.