The Future of FinTechs

Fintechs are going to be a really key value prop in helping distribute some of the best banks infrastructure rather to the bottom. JPMorgan Chase is incredible, incredible things and the risk management side, some of the offerings they have. So there is a hand in glove relationship in our opinion between fintechs and banks. I don't know that people will go directly to bank websites in the next 10 to 20 years.