We couldn¹t agree more. Malauzai has always believed that Internet banking is 'dead' in fact, we used that term at Finovate last month. The lack of innovation in the online channel has left consumers with a stale and outdated platform. We believe that a mobile only experience, when done properly provides a superior experience, regardless of the channel and yes, even on the desktop. So rather than focusing omni-channel, let¹s focus on the reality that channels and platforms are converging. We are even seeing it with the mobilization of the branch, even branch staff get to reap the benefits of a simple, intuitive mobile only experience. That¹s a good thing for everyone. It gives consumers, small business owners and employees the best overall experience and most importantly gives them choice.