 So, now we're going to start talking with some of our users today. And I'm excited to have some new users that haven't spoken at our summits before. And we're going to start out with someone from BBVA. BBVA is a global bank, and they are working on this same kind of transition that many of you are and many companies around the world. So please help me welcome Jose Maria San Jose Juarez from BBVA. So you told me to call you Kima. So thank you for joining us today. To start off with, could you just tell everyone a little bit about BBVA and what your business is? Well, BBVA is a global bank, as you said. We have operation in 31 countries. We have 11 banks around the globe, mainly focused on two business retail banking. You know, it's very people usually, and customer investment banking and markets, related things. We have around 600 billion of assets, 100,000 employees, well, it's a very good place to work in. Yes. Yes, absolutely. So, you know, you have customers all over the globe. How do you interact with them primarily at this point? Well, mainly, relationship with bank is a digital relationship because money, in fact, is digital. Yes. It's all digital now. Yeah, absolutely. Our relationship is through applications. And you go to an ATM, for example, you are using an application, or when you make a transfer, you are using your mobile application to make that transfer. And the main relationship with customers are applications. So it is, you know, what we've been talking about with software, that is how you interact with your customers, and that's the main way. It's software applications. Yeah, yeah, yeah. I'm preferring, of course. So when, you know, when you are going through and you're creating these applications and operating them, what are some of the challenges that you face in the bank? Well, we have a traditional IT like other banks, and with that IT, it's impossible to have, for example, an application in a week by using by customers. We need more agility, more speed, and more reliability. That is our challenge right now. Yeah. And besides the technology, as you try to move to, you said, more agility, more speed, what are some of the other challenges that you face? It's because people are used to use technology in a traditional way, building silos. We have to transfer their minds. Our main challenge is culture, because people are accustomed to use technology in a way different, modern way. Right, yes. And so I know that you guys have started to take a cloud approach to try to solve some of these technology challenges and also, you know, give your users and your application developers more options. Can you tell us a little bit about your approach to cloud? Yeah. Well, we want to give our developers to give the opportunity to use a programmatic approach to use infrastructure, because right now when we build an application, a software application, people build a silo, including infrastructure with the application itself. With a programmatic approach using cloud, you can include the code of infrastructure itself into the code. And you build a complete application, you can deploy in one cloud or a private or public cloud. Right. And so you have a deployment in Spain right now, and are you planning to expand that as well? Yes. Next year we have plans to put another instance of our private cloud using OpenStack. In America, in Mexico, where we have data centers, and use a hybrid cloud combined with Amazon or other public cloud providers. Right. Yes. So you talked about a programmatic approach. Just to kind of sum it up here, what do you think is ultimately going to be the impact to your business of being able to bring this programmatic approach into BBVA? The first question is agility. In a digital world, you have to be agile in order to give value at the speed to the customers and have ever-evolving applications. You need a continuous delivery approach in order to have this. You need also scalability. For this, with traditional infrastructure, it's almost impossible to have this. You need a programmatic approach in order to program that scalability in a programmatic infrastructure. Okay. Well, I really appreciate you being here. Thank you for coming and sharing some of your story. Thank you very much.