A lot of neo banks bring people, you know, quote unquote, unbanked people into having access to these kind of services. The innovation that they have is, we're ends up benefiting those of us who do use the traditional bank because the traditional bank ends up trying to adopt it or create something similar. Chime: I'm always like, that just like taints my view on it a little bit. These sort of innovative banks are very much needed. But I just have a hard time grasping like the adoption and total addressable market.

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