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good morning everybody I want to thank you for attending the bank of the future webinar have a lot of stuff to cover today and hopefully this will be useful whether you're marketing customer service or on the technology side of things I want to cover a couple of housekeeping items everybody is on mute only for attendees there are a couple of things in your bar you'll see there's a QA tab if you have any questions throughout the webinar you can submit those and we'll leave time at the end to answer any questions there's also under the handouts tab there are two infographs that you can download in PDF form for attending this webinar is being recorded the recording you will get an email notification will come out in a few days so if you have any colleagues that couldn't attend you can share that recording so let's get started there's a lot of controversy talking about understanding different generations and where those generations headed over the next few years and how does that really make a difference from a marketing or a customer experience standpoint so we're going to start off talking a little bit about that the average American interacts with some form of customer service over 65 times per year and really the Millennials have led the charge and really defining that next level of customer service and customer experience and really being a key driver in making products and buying decisions it's estimated by 2020 that customer experience will be the number one decision in making a reason to work with a company over products and pricing so many executives it's really he could snap at night as how they define that customer experience how does that customer experience appeal for all demographics so when you look by generation you know djinji has a lot of interactions with customer experience now they really won't do business with a company for up to two years if they've had a bad customer experience very self-reliant looking for convenience on the Millennial side Millennials will stop immediately doing business with someone when they have a bad customer experience they really want high-touch customer experience they want convenience they want it how they want it when they want it and then if you look at the djinns ease which is the demographic that's under 21 that's the next kind of generation of buyers and quickly rising they're a little bit different from Millennials customer experience is very important to them but unlike Millennials they shop more in brick-and-mortar stores they really want to know that face behind the company of who they're working with and weirdly enough they prefer face-to-face interaction over text messaging so when you think about you know kids and you think about you know really working seeing kids you know FaceTime each other things like that that's kind of your next generation of how they want to interact with visits on the workforce side you know looking at who's coming into the workforce millenials are going to make up the majority of the work first by 2025 um Gen X is still leading the charge of you know starting the most businesses in the u.s. they're the largest business banking customers they're the ones that are starting companies and Gen Z's more than any other demographic they're if you look at all the research around gen Z it's the most likely generation to go straight into the workforce and not into college they're all about starting their own businesses starting them in their teens and you know we might see a shift they're in college versus starting companies so definitely keep in mind that these are your future business banking clients establishing that consumer banking relationship with them now they typically you know do take influence from mom and dad of where to bank but especially the millennial demographic you know they want to do something different than mom and dad so what is the industry showing on consumer trends looking at you know we've always in the US and even in the UK followed consumer commit communication trends so back when text messaging was really big in 2007 2008 and there is a big rise in enterprise text messaging or businesses for the first time really started text messaging offers to consumers phones started communicating with them you know even from a banking Sam coin on alerts that all followed the communica munication trends from consumer to consumer when looking at the same thing with email you know it used to be that you had to have the same email provider so you can only email you know AOL to AOL and then it went across the board and then business email to consumers start really taking off you see the same with instant messaging apps now companies are offering Facebook instant messaging communicate and then you'll see the same thing with video chat more and more than we've seen over the years people are really videoing each other um and so you know whether that you know iPhone the iPhone whether that Skype whether that's through snapchat or what or something in that nature now consumers are wanting to video with businesses and you'll see that trend going up so if you looked at the video chat market that you know just last year was only a 60 million dollar market and it going to 1.7 billion by 2021 we're going to see a lot of that communication trend happening in the states as well as you've already seen that happening in the UK and other progressive countries so I really like this chart over here to the right that KPMG put out that really showed you know how the digital disruption is going to happen the banking in the US we've always followed as a different look at this we've always followed the trends of you know what happened in the music industry so what happened when we shifted from you know CDs to iTunes and those buying turns and how that really disrupted you know CD sales and you know on the video aside when we started you know going and getting you know movies at red box and then we shifted to getting them on demand and then we ship it to Netflix those trends will follow the same and in banking disruption and so depending upon which analysts you kind of you know follow in or believe in its projected that we're kind of in year four to year six of that peak and so looking at you know being a you know banking executive on here that really kind of how'd you pay attention of you know what you need to do over you know the next few months and a few years to really be thinking about that so where's banking headed globally so if you look at really what's going on outside of the US and more progressive countries which we always follow behind in the u.s. in 2011 just as some examples here in the Britain branches there are four hundred and seventy eight million transactions and last year there were only 280 billion so the transactions that are actually happening in brick-and-mortar have reduced you know dramatically in the UK if you look at you know the big traditional branches that are reducing branches by 50 percent it's really due to the increase in the mobile app transactions and really the increase of video baking so you look at rover models you look at the ability to have smaller branches smaller footprints it gives the consumer more kind of channel of choice of how they want to interact with their banker the mobile banking transactions continue to just go up on year-over-year and by 2022 its projected to go up 121 percent from even what it is today the decrease is really on the desktop and I pop slide decreasing 63% over the next you know four to five years from where it is today this again if you look back at talking about the demographics you know our Gen Z's in our Millennials are you know digital natives they're on the go the use of laptops and desktops for that demographic is very low so that follows kind of that trend line then what you should be thinking about on the generation side looking at branch visit it's going to drop across all demographics so as you look you know and the banking industry of trying to think about we've created this culture of you know you can do everything on your phone you can do everything in online banking and so banking has really created this culture that you know you come into the branch if you have an issue thanks didn't really want to create that culture but by giving the technology and a lot of the expectations what consumers need it's created that culture if you go into the branch when you have a problem and so that's kind of reduced branch visits across the board so households that have without children um meaning you know they're only having need to go into the branch as much as when they had younger children it's projected to go from eight visits a year on average to three over the next five years when you look at Gen Z's who are establishing their lives their first kind of banking relationships most Jen's EES got their first debit card when they were 14 years old so they've been working with mom and dad's bake you know from their preteen to teen years they're going to go from six visits to two visits a year over the next couple of years and that's because they're you know getting older and that cycle of life they're going off to college and the need to go into physical branches is reduced when you look at the largest you know the heaviest branch users which are elderly and low-income there are five times more likely to go mobile banking and increase you know the largest demographic and mobile banking of any other banking relationships so that will cut branch transactions down from that perspective as well looking a little bit about video banking in some of kind of the case studies around you know looking at what banking executives are talking about with video making and thinking about how that is here two ago the branch model um you know 10% of is last year 10% of banks have rolled out video baking over 50% of bass have plans for a lot banking this year in 2017 and within a couple of years over 80% have plans to roll out video making the benefits we'll talk about a little bit later but it's definitely one of the hottest topics of bake of the future is video banking and how's that working some of the main benefits and these are industry numbers not numbers from us you know 93% of banks leave that video will increase their customer satisfaction so when you look at increase in NPS score when you look at reduction in cost it's kind of a win-win both on the consumer side as well in business making side as well as the bank side pulled a couple of results that are known out in the industry that are third-party nationwide financial in the UK rolled out video banking on their mortgage side and they sold a 75% increase in new mortgage business they also saw a 2/3 reduction in costs and double-digit increase in MPX when you look at Royal Bank of Scotland very similar they reduced loan applications from two hours via phone to one hour via video chat the ability to you know focus in on half the drive in this car was obviously another example when you look at you know big cities and traffic and all that kind of stuff is taken to fact as well so what is the bank of the future look like you know there's different opinions of what the bank in the future look like it's definitely not one size fits all it's more of a hybrid model a couple of things you know the biggest thing keeping executives up at night is really not worrying about each other and traditional bank it's really you know the rise of the branchless bank the FinTech banks that are rising there is a new report that came out just last week that you know the number of account openings by bank you know the top five or online only thing and venture capital is affected you know twenty five billion dollars over the last four years and while you know for their top banks that seems like a drop in the bucket you know consumers are flocking to the branchless bank and a couple of the reasons why I mean when you talk about a branchless of things you're talking about a bank that has fresh technology there's no legacy systems there's no constraints there's no constraint thinking and we've done it this way for 25 years it's not having to have a huge culture shift you know you're starting with that out of the gate and so when you look at consumers and businesses that you know we already have pretty much everybody's getting paid the majority of you know demographics are getting paid or remote deposit so the need to go take your paycheck to a physical bridge it's much less than it used to be everybody is using debit cards they're still obviously you know paper checks out there but people are still using you know debit cards credit cards we're paying our bills online we're paying our bills through phone through online and you know now we can remote deposit I mean you know wasn't long ago that you know taking the picture of your chapter your mobile app it took a while for banks to get on board from a security perspective the limits were very low and now those limits are significantly higher and so the ability to you know take remote pictures of your check and deposit is about having to go into a branch or be able to positives through an ATM most of these online banks are offering you know free wires any ATM with no fees and making it very convenient to not have to drive across town and go to a specific ATM you can go to any ATM those fees are reimbursed so when you think about you know the Millennials and those Gen Z's the like convenience they like options they don't like to be tethered that's very attractive and then when you look across all demographics everybody wants you know the highest rate for their money right and what these online things have been able to do is because their costs are significantly less you know are offering the highest rate or the best mortgage rate or the best auto loan rate because they don't have the overhead of brick-and-mortar and so when you take that coupled with what's driving customer experience and you know technology plays a large portion of that what's driving experience not to mention a lot of these online things don't have typical Baker hours so when you think about being able to video or call or text a particular online bank and they're open till nine o'clock at night and your brick-and-mortar bank closes at 5:00 or 6:00 and you don't get off work until you know seven o'clock at night you know you really don't have a lot of you know alternatives to be able to go into banks or contact that Bank so that's driving you know a good amount of those customer decisions so let's talk a little bit about you know the harbor's model what we really feel of the base of the future is a combination so when you look at the physical branch you look at reduced square footage so when you start talking to executives on you know when you're used to be opening these big branches with a lot of space a lot of people you know that's kind of a thing in the pack I'm already seeing that in the u.s. of smaller footprint reduce number of locations and less branch employees so the typical Bank has around eight employees per branch seeing that being reduced to you know a smaller number maybe three maybe four and then having centralized resources that are specialty resources which you already see with a big bank and then branch distribution so what does that mean that means that in the interior you know you're seeing tablets for basic transactions for making those books that you know aren't dealing mobile banking you have your greeting station which you already see a lot of things today and then having remote video both in the branch as well as consumers being able to do it from their own device sitting at home that connects to your specialty branch or centralized so you see today that most of the big banks don't have auto loans or mortgage or credit card experts in individual branch locations that's either in a contact center environment or it's in certain number of branches very similar to your you know Wealth Management and your private client banking until we've already started to make those shifts in the US so now it's convenient for the customer so you know you have a cube in a branch you have an office in a branch the ability for them to go right in and click a button and be able to video with he mortgage specialist and you dot right in the branch or be able to direct them to be able to do that as soon as they get home or from their own device and so you have employees set up in the centralized location or specialty locations not accept those video-making and that still allows you to you know have that personalized relationship with the consumer or the business banker still create that that in-person that face-to-face your video still be able to review account to be able to cross-sell upsell to review you know what's going on in their life but do it with the convenience of the costumer and then on the customers side it's really you know the increase in mobile app banking which is across all demographics really the mobile video banking connecting to a branch or a centralized location so with the video banking technology and the consumer doesn't need to be in the branch they can be at home they could be at the office in their car wherever they need to be and still talk to somebody in the branches that they were standing in front of them and then when you started looking at the video technology in the bridge drive-throughs and ATM things like that when you start looking at expensive hardware and software to support that you'll start to see some of the big transitioning that to letting the consumer use their own device so they're not tethered to having that conversation in time drive-through line or trying of an ATM line and they can have that comfort so one of the dates I want to give kudos to is first fort of ink who rolled this model out or similar model to this maybe not everything in in this hybrid model but they rolled out their first kind of Bank in the future branch around a year a couple years ago that was kind of a low performing branch this great article if you want to google it and that branch was doing about thirty five million dollars a year in deposits that's become their number one branch their flagship branch their increasing all their future branches to kind of that branch and you know it almost quadrupled their revenue just by going to that model so people want to come to that branch people actually drive to that branch and so it shows you where you know the regional community banks really can make a difference in having these by reducing their costs increasing the revenue and the customer experience is much greater so what should you be thinking about in terms of video baking so you know we talked to a lot of executives and banking there trying to get their head around where does it make sense what areas of the bank should we really be looking at how does that change our operation so let's talk a little bit about that so when you talk about the different banking channels so you know as we talked about earlier ninety-three percent of people surveyed they hang executives said you know it would strongly have a positive impact or have a positive impact on to roll out video banking you have you know Barclays that did you know they push in video banking that say to their customers now command time video banking on you see other banking that you know 65% of video banking customers will repeat users so they use it they like it they continue to use it so when you really look at the banking channels in this chart we look at the branch visit you know it's really not convenient for a customer right low convenience it cost the bank too high cost for the base to get people to come into the branch but the customer engage of its high right so you want people to come to the branch you can ask them you know about what's going on in their life you can try to sell them products but really we've created this culture of I don't want to go into the branch unless I have a problem so when I go into the branch you know you got kids to pick up from school you know you just bought traffic you're on time schedule you're not really open anymore to having those conversations and that really puts your branch employees in a bad situation on you know increasing revenue for those branches when you talk about remote thinking so you know I'm calling in on the phone or you know I'm on my mobile app or online banking I'm very high from convenience standpoint for the customers very low cost for the base but there's no engagement you know there's no way to go in you know you can you know talk to them on the caller may be text chat you're not building that relationship so when you look across the demographics on face-to-face video baking you know it's kind of the win-win both from the banking side as well as the customer side it increases the engagement it reduce across the cost and it really allows you to increase the revenue for that particular customer so what services make the most sense from the baking standpoint obviously you're probably thinking complex services which is definitely on point so you know when you talk about private client banking talk about investment you talk about wealth management on mortgage so you know customers are already kind of in a stressful situation of applying for a mortgage so when you think about you know first-time home buyer you think about a VA loan you think about you know kind of a jumbo loan may be a little bit more high maintenance on auto loans so you see a lot of the big banks going to autumn loans and you know apply online we'll mail you a check there's a lot of questions around that when you look at the website conversion rate aback you know it's really low and it's really low because most folks they may want to go with the big things but they don't know like does the chat get mailed to me does it go to the dealership how does all that work and if you can click a button and video with a specialist your conversion rate would be significantly higher and so what are coming to talk reasons that banking executives have said they wanted to implement video banking on increasing customer staff an innovative base so when you look at you know a lot of your mid tier banks that are trying to have competitive advantage be seen as innovative technology when typically they've been seen as you know having subpar technology to the big banks due to budget right and so those are some of the kind of the top scenarios and why to implement so let's look at really what types you know where do customers want video banking so we talked about credit card every day you know people are getting tons and tons of offers in the mail online and there's so many credit cards to choose from so when you think about you know how helped me choose a card you know understand me understand you know am i traveler do I like loyalty I want cash back things like that that you know you can't get from a couple buttons clicking online surfing when you think about your business banking customers so if you think back for generations on we think about you know the big generations that are you know our Gen Z's or our future business owners right our Millennials are starting businesses you know our Gen X's are the largest demographic of business owners it's all about convenience you know you're busy business owners you know you're on the go availability is king you talk about you know home services field services from owners retail now they don't have banking hours so the ability to clickable images to talk to somebody not have to go into the bridge entirely attractive when you think about areas that have already been centralized and plugging and playing this into contact centers or centralized lending you think about small business loan Auto mortgage things like that and then on the HR side which a lot of people don't really think about is you know if you're an HR executive for the base when you look back at you know who you're hiring and what's the workforce being able to remotely interview and recruit those innovative you know kind of tax future employees being able to reduce your costs get a higher caliber of you know that's obviously a big area when we talk about video chat versus video banking on how to be an innovative base so let's look at just a couple of images here of how you integrate it into your existing customer experience so what do you think about the mobile app you have today maybe you don't have a mobile app this can be kind of your you know flagship or carrot the ability to drop in a video button throughout the customer experience so if I'm on and on a loan and you know I'm reading through uninterested there's a video button literally with a click of a button I could be videoing in with an auto loan specialist or maybe a mortgage specialist dropping the icons and call-to-actions in on desktop that fires up that the consumer screen and allows them to talk about somebody about opening a new account giving that flexibility you know it's not for everybody some people will want video banking they want a text chat you want to call or they just want to service and stuff online but getting those options to increase the conversion rate so when they're thinking of the banking and it's new to you and you're thinking about all the things kind of consider of you know what I should be thinking about when selecting a video banking partner and how to integrate that in there's a couple of things to keep in mind so the consumer and consumers technology won't work we get this question all the time people think well you know I to the space/time with my customers or maybe we'll be sky things like that those technologies are really meant for if you're on a wireless network and you're not you know want to carry your network so you know it's low quality video not very high quality HD I'm sure you've experienced very high disconnect rates yourself you're trying to save time or do Google duo with one of your kids you get the free streaming you get the you know drop connection thing to that so not something you want to put in front of your customers have them get frustrated with and then the main thing is you know user to user information has to be exchanged so it really goes out outside of your kind of routing and you know how you work window so when you think about you know I may have a personal banker that I work with but you know what if I have their personal information and I'm trying to video with that and they're off today or you know they no longer work for the bank so really you know looking at technology you know none of this can be branded so you can't integrate with your existing mobile app or website you know there's not any SDKs you know the ability to integrate it and you know it's not a uniform user experience because you have to take them outside of the app the main thing is you know how do you operationalize it to just plug and play into your business so whether somebody is in the branch whether somebody is in a contact center environment you have to think about you know how do i cue these video calls how do i route in between my branches how do i routed in the centralized environment you know my track what's going on how do I know that rapes employee a talked to customer be on this date this time for this long why did they call and really measuring the success so you know what does the customer think you know how do I measure that increase in NPS how do I measure that customer satisfaction how do we improve and so those are some of the things that you know why consumer technology won't work so what are some of the key components to consider when you're looking at you know video baking looking at video baking technology number one how easy is it in is to integrate into your user experience you know obviously you know any marketers will tell you the rule of thumb you know keep them within the constraints of your own website keep them in the constraints of your own app as soon as you direct them off you know your conversion rate goes you know down dramatically so how do we integrate it into our existing customer experience how is the effort minimal for the end customer not confusing you know what are the hardware and software requirements so there's a lot of technology out there that requires a lot of expensive hardware to do video making similar to you know what you're having to purchase for you know ATMs and you know servers and you know all those kind of things and then there's companies that you know it's software as a service you know you plug it in you use you know internet use you know web cams that you may have in a lot copper may be often get a twenty dollar webcam through a USB but other things to thinking the considerations to not only what is it going to cost your roll off today but what's it going to cost you to scale it in the future time to implement most of the base were you know that we talk to you and not you know help advise you know it's really competitive advantage right and you know hey is this going to take me six months to roll it out and get take me 12 months you know the number one question we always get is you know my he's jacked up for a really long time you know how much involvement is there and so those are things to take into consideration you know when you're looking at an overall solution you know what's the time to implement when can you get it out there if you know can you get some competitive advantage can you get some feedback on you know a smaller robot or a pilot learn from that and then roll it out in scale and then really a knowledgeable team I mean in the US and you know some parts of other countries video baking's news so you know partner yourself with kind of experts in the industry you know people that have been executives in your shoes whether it's you know banking or insurance or whatever it may be even understand you know where you're you know panes are and running operations or running marketing or running your contact center and they understand you know how was going to take to implement you know what's going to pay for you to be successful and then really the data and recording side you know some of the platforms you need to go out and build you know your own reporting and do your own tracking and you know with all the other systems that you have going on that's going to require a lot of IT time so really you know what reporting can you get out of the gate you know what can you start tracking what you're going to want to track today is going to be very different than what you're going to want to track in you know 12 to 24 months but you know what can you learn from today to be able to you know gain more insights and analytics in the future and then really looking at you know the ROI you know the ROI can be very significant for base depending on size and transactions and really looking at okay what's my total cost of ownership going to be today what's going to be when I scale you know what what is that going to increase my revenue what's that going to reduce my cost and really figuring that out and in determining the payback I mean some video-making you know he's going to pay back in a month some it could be twelve months so really determining what areas of the bank would benefit the most and what's the ROI by those departments so I'm talking a little bit about you know what OneTouch video chat you know is doing and you know a little bit about our technology is when you really looked at kind of what makes us different and what we've done is number one you know we're industry executives you know we created the technology you know we come from backgrounds of banking of insurance we've been in you know consulting and consulting with every banker is we've run the contact center so we built this with that in mind we've been in their shoes we know what it's like to be in their shoes and so if you look at this diagram here on the left hand slide where we really thought about was you know what is the business needs so what are the marketing and customer service operation professionals need what is the consumer needs so you know whether that's a consumer or whether that's a business customer what is they really want out of that and then what is it technology team one you know how do we make it easy for your technology folks to not have to think about it and not have to put it into their long implementation cycle and so what we've really built is you know plug and play technology so the ability to you know no hardware no so tware rolling into whether it's the branches or the contact center rolling in really easy within days within weeks no long implementation then what we really work with the business is what are the right use cases have you roll it out um how do you think about training how do you think about what the employees should wear um how do you think about the background environment you know do you have to hire separately do you take a subset of folks that you already have and see who be good face-to-face in front of customers and really help you kind of you know get that idea to tuition low cost to implement so you know we're not selling bunch of hardware like you know I'm the other folks in the industry you know makes it so the investments not large kind of get into the game and then really making it branded so you know we we made a decision early on to stay completely behind the scenes so you know it looks like it's the bait technology it looks like you know everything and we're kind of behind the scenes you know while the bank's gloat and and really the customer surveys so what's great about you know kind of our platform without you know Tooting the horn is at the end of the video transaction being able to get instant customer feedback from a customized survey then being able to get the employee feedback and say how's that match up you know it didn't employee like to do this video chat you know did it help them close the client you know then help them solve their problem without having to come into the branch and then what is it customers say does that match up and then the low maintenance so you know when we talk to IT folks you know hey we're IQ folks too it's you know hey we're not trying to add something else but you have to worry about that you have to go add you know another resource for open up a wreck for you know just trying to make those headaches as minimal as possible and not have to do it from that standpoint and then making it flexible from the user experience pods so you know integrating into an existing app very easily within a couple of days a lot of banks that talk to you you know want to run a separate app for this or they don't have a mobile app or maybe they have a completed mobile app that you know they license in us being able to build up completely native ios and android apps for a customer for this technology with their brand the banks branding and have it in the market within a few weeks and literally a few weeks and then the last sale thing is you know scale without constraints so how do you scale this technology from a total cost per ownership in in from resources perspective with you know scaling it today and then scale in the future and so what you see over here on the right hand side is just a snapshot of our dashboard that really when banks kind of see it is kind of the aha moment you know it's browser-based don't need anything on the SAS model and it really allows you to plug and play this into banks so what we've heard from banks us they really love the most is you could have branch employees using this you can out centralize employees using this and you know we've allowed kind of skill-based routing to be able to put folks into queues and then the other thing that's really nice that we actually rolled out for me is the ability for each branch employee to have their own ID number and so if you're dealing with private client if you're dealing with you know taking somebody through the mortgage process being able to have them be able to direct dial you through that video and connect to that particular bank employee is really great and being able to keep that relationship and then all the reporting kind of analytics pipes that go behind it so um just wanted to you know kind of offer glimpse into that and show really you know kind of some of the plug and play technology from a bank a video banking standpoint so I'm going to leave some time for questions I'm gonna put up my contact information if anybody has any additional questions post the webinar that you may be shy to ask the first question I have is about the handouts so you should have next to the webinar screen a QA if you need to submit any questions you can submit them there and then next to that there's a little handouts tab you should have a little icon that says two and there's two pdfs there that you can download from the handout standpoint if for some reason you're not able to download those you can shoot me an email and I'll be happy to email those over to you again the webinar is being recorded and so that will be coming out we'll send you an email out in a few days when that's ready from that standpoint and we do have a white paper on Bank of the future there will be a link to that as well if you want to download that white paper and that will email will go out in two three days so the next question I have is you know when thinking about videos inking for a community bank what should we think be thinking about doing it in one branch or across multiple branches I think that's really up to you know as we go back to the slide of kind of where the top areas to roll out as banking depending on how your community bank is set up it could be you know if you already have some centralized functions across your different number of branches it could be taking some of your branches today that maybe don't have mortgage or credit cards or auto loans or private banking and offering that to the customers coming in to the branches about it from a specialty standpoint but you know also from a customer acquisition standpoint depending on how you're doing your marketing today as a differentiator and you know whatever your kind of community bank is as a brand differentiator of trying to get demographics I know a lot of community banks skew a little older and demographics that are trying to really figure out how to get that 25 to 45 year old demographic and that can be you know one of the competitive advantages so if there's any more questions I'll take any more questions and then we will wrap it up and give you complemented back um from that point I've got one more question of from a technology standpoint using kind of a what app or some other technologies out there would that work for video baking again that kind of goes back to my slide on consumer technology and the ability you know you know most banks you know from a security standpoint technology standpoint so once our customer is going in you know third-party apps and having to exchange kind of customer information so that's kind of one of the things that you know you might want to take into consideration from that standpoint well I want to thank everybody for attending our bank of the future webinar on we are offering them if you want an individualized personal and use cases or your own banking ROI we've created some really cool tools around banking like how to set up go reach out and you will get an email when the rating is available if you'd like to share that some of your colleagues thank you guys again for joining also on our website from the renews there's a podcast we have an executive Innovation podcast that I host we've had some really great banking CEOs talk about the future of thinking in so if you want to hear what some industry executives are talking thinking about baking that's another way to listen to some baking CEOs those large banks and community banks so if you're bored you're working out you're in the car and you want to download some pretty good podcast that's another place for some resources so thank you everybody for attending and stay tuned for some future webinars