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… economically collaborate and consume payments services from banks, other financial institutions or Fintechs. IBM Canada …

… to solve a fundamentally different problem to a lot of banks. And if we think about the entire Gig economy, … is actually payments. At the moment we rely entirely on banks who are actually pretty low tech to deliver payments, … including all the fintechs. It actually helps the incumbent banks as well. So many businesses beyond just immediate …

… this is actually a good segue to talk about challenger banks. Because, I think Fintechs in general, because I think … financial management tools. Whereas with our traditional banks, we still have to opt in to use a budgeting tool or … don't know, they don't know about Fintechs or challenger banks. And so they have to find them. That's the other …