 Indeed, the pandemic has accelerated already highly advanced plans of our banks for digitalization, namely as the function of money has considerably changed. Now we can pay without using bank account or denominate value or saving crypto assets, for instance. It is clear that the role of banks as money merchants has considerably changed as well. So at the end of last year, we have performed extensive study and what we have learned is that our large banks already use innovative technologies to help with the client's needs for banking services, that they started to digitalize their internal processes and that the large portion of their clients already use internet and mobile banking facilities. The smaller banks on the other hand use locally and explore, locally developed fintech solutions to upgrade and improve their businesses. Our goal in that sense of digitalization is to make banks aware that digitalization should be accompanied with proper corporate governance, meaning clear KPIs for digital transformation officers and for their agile project teams. All together it's going to be a very exciting decade of developing fintech ahead of us.