00:00business model, you're going to change it, you're going to reduce your cost, you're going to expedite
00:04your transactions, and you're going to continue to inspire confidence because you will build that
00:08on the basis of an existing backbone, which is your bank and the confidence relationship that
00:14you've established with your customers. So that's where I see changes happening now. If you think
00:18of circle and ripples and all those, that's where they are active and helpful.
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