Keren Moynihan

And then we doubled it in 2020.

And we're looking to triple that in the next few months.

You're very, you're like a surgeon with this precision.

You're not far off.

Yeah.

Like the numbers are pretty close.

So here's the thing.

What we need to do as an industry is collaborate.

We keep thinking of this as a competitive game.

And yes, it's a competitive game.

But if we don't collaborate, we're all going to fail.

The analogy that we're giving is, you know, we have banks here and we have FinTechs holding onto their products like this because they think that they have to have the best product.

What actually has to happen is a little bit more of what Amazon did.

At one time, they were selling books.

And now if you look at what they're earning profits from, it is not their own product.

It's by creating an infrastructure that invites everybody to use it.

And that's what we need to do as an ecosystem.

We need to have the banks who are lifting up the regulatory burden that none of us really want to lift up, have this infrastructure that gets the latest in FinTech.

That's our prediction for what needs to happen in the future.

And we're already seeing that the most innovative of banks are looking for best in class.