customer is about 3% of what a traditional incumbent bank is. That means we have so much margin to give back to the customer via no fees, better experience, better interest rates, and overall a better product. That's prei. We're still here in phase one of what a smartphone enabled. AI will be an additional multiplication on that efficiency to to that because then well, you get you get to choose whether you want to have much more efficiency and you could automatize a lot of areas of the bank. You could imagine banks that
That means we have so much margin to give back to the customer via no fees, better experience, better interest rates, and overall a better product.