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FinTech & Future Financial Services: Unlocking financial freedom through the open finance framework

Keith Grose
Head of UK at Plaid
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CogX Festival 2021
June 14, 2021, Online, United Kingdom
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FinTech & Future Financial Services: Unlocking financial freedom through the open finance framework

Google, Microsoft, Apple and other major enterprises are making big moves in FinTech — but what does this mean for consumers, financial institutions and the entire financial ecosystem? This session carefully inspects consumer shifts, the gaps in global digital finance, the latest trends in open finance and the much-needed change in global FinTech regulation.

Featuring:

Keith Grose - Head of International - Plaid

Immad Akhund - Founder & CEO - Mercury

Christine Hall - Contributing Writer - Crunchbase News

#CogX2021 #JoinTheConversation

About speakers

Keith Grose
Head of UK at Plaid
Immad Akhund
Founder & CEO at Mercury
Christine Hall
Contributing Writer at Crunchbase News

Growing fintech at Plaid as GM for UK. If you need open banking or want to join the ride, get in touch! Scaled Google's hardware efforts (Pixel, Home, Nest), GPay, & more. Reformed consultant. Crypto nerd.

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Immad Akhund is the co-founder and CEO at Mercury, a tech company building banking for startups. Prior to founding Mercury, Immad was the CEO and co-founder at Heyzap, a mobile developer tools company, which sold for $45m in 2016. He is an active investor in Silicon Valley and has invested in 100+ seed-stage startups including Airtable, Substack, and Rappi.

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Christine Hall is an experienced journalist who joined Crunchbase News in April and is reporting on fintech, health care, and agtech. She previously reported for the Houston Business Journal, Pulse magazine (Texas Medical Center), and Community Impact Newspaper.

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The next session is called I'm looking Financial Freedom to the open finance Network and it's going to speak about the disruption of the big fat. And what I don't means and how an open finance Network could help us to be even more Innovative, Christine whole come to building Rodger from crunchbase news with Mariah to session. And so without further Ado, handing over to you Christine. Thank you Olga. Thank you so much for having me joining on the panel. Today is Keith from plaid and a mod from Mercury and I'm very excited to welcome them to the stage.

Thank you so much. I wanted to have everyone introduce themselves. So acute. Why don't you kick ass off? Sure. Thanks for having me here are Christina and tarek. Screw. My name is Keith gross. I leave the UK and European business replied or folks that aren't familiar. Where the world's leading open banking platforms. Are we connected to more than 11,000 situations across North America? And the UK and Europe. We standardized had access to a single API and offers a suite of use cases. I have really been part of the growth of pentek over the past decade. I'm so excited to be here. Thanks for

having me around and see you start up to me, as companies in the US. Everything startups. London, but now, I live in San Francisco. Wonderful. Thanks to have you. Thanks for the both of you to join and I wanted to kick off the session actually with you. No talking about what are the you know, changing consumer Behavior. The payments and how are fintech companies creating new products and solutions to kind of support these shifts at either one of you know,

have you tried to start us off here? Yeah, absolutely. I think it's maybe a good way to start out thinking about. Listen to think about how much changed in the payments world over just the past 12 to 18 months with covid, right? You had a whole segment of the population, both in terms of small businesses, but especially consumers that were used to pain and purses and matching their finances in person going down to the bank until later, forced into a completely online world. You can combine to their to their houses. And so you have this explosion in the use of a

face payment methods. Reading to is real Innovation for account to account, based payment, methods and absentee ballot. And this shift away from the off line, design, paint World a particular part that's going to take a very long time to happen. But you're starting to see this, really exciting acceleration and one of my favorite staff that helps show how how big that change was, is the share of e-commerce, is a percentage of all retail in the UK one for about 20% of 30. 5% over night because of covid. And that is setting a new water mark and I have slowed down application for everything

and finance including payments. And so I think you're starting to see this real excitement for around the fact that we're moving to a smartphone base Mobile first base world, for payments, that requires different payment methods. I think you going to see this proliferation of app base and empty wallet face payment methods to come to fruition because of that. Great. I'm on. What would you like to have from your perspective is like this kind of cycle between the willingness to use apps and things like that, to do to do

payments in the financial life and then be seized and kind of ecosystem willing to make a new products are at. And where can I getting into this? Like flywheel weather? Just a ton of innovation now. Like you're even like, when I started my 2017 Challenger Banks, winter thing in the US and take was like, kind of something much bigger than Europe. But even then like it was pain. Anywhere is now your friend. Jack is completely blowing up like flywheel going. So I could be more than willing to use like completing you

absent. I change the experience as if they were looking for better ways to enable that Financial life. An exciting friend with you for a minute, you know, what kind of Olives? It's all of the things that are changing, you know, have you identified any kind of gaps in the gaps are challenges, you know, in, in the global digital finance and what do you what do you think needs to be to the right? And what do you, what kind of Innovations, you think, you know, you need to is needed to address them as well. Like, I

think it's like the basic stuff, it in finances, being kind of digitized. So if you think about it, like this deposit reefside, which is going to be attacked by Challenger Banks and they're doing, it was like, then the next to the ice cream and it's like Skype or other people making it easy to do online payments. Can you use the weather's like you all payments? I think that's like I see the next phase of innovation in some ways which is like what I'm used

to things. I just couldn't even imagine which like all are happening now, and then that I would like a lot of providers now that make it relatively easy to plug in banking services, a lending Services insurance and then you can Hannah enable these use cases. Yeah, that's going to be disliked. Huge kind of tools are gaps are challenges going on here. But I think I want to I want to double click into the last one in my Dimension. So I think that's a really important one. So

if you if you think again on the Innovation that we seen over the past two years, you've seen a real Rises, I said of of a face ecosystem for financial services and it's also let the Innovation and how and why people pay write the sun. Is he a real growth in the presence of things like Apple pay Google pay a biometric Facebook account to account payments. You're also seeing Innovation comes of invisible payments. I so think about what number did for taxi rides, right? Like, you don't even think about paying you get out of the car and I think I'm going to start to see that type of

innovation happen more often. And the reason you're seeing that is because of this rise in invented. Financed and so maybe give her a quick definition there. That's basically api-based Financial serve. This isn't any big tech companies. You can build into their services and then we're starting to see is any application that has large consumer demand for large small, business demand. Starting to seriously think about how do I add Financial Services in here? But there's a revenue stream but also as a way for me to offer more services to my users, if they're already engaged in that they already

like using my service here and that is really I think what you're going to see over the coming five years is this big explosion in financial services growing up in other applications. Weather already is a big user base and then gays use the wrist. Yeah, what are you what would you say? Your kind of the some really nice use cases for that. That that you said, I think I'm odd mentioned a few but Keith. What do you think? Yes, I think there's one for theirs. Natural benefits are going to be like, going back to the marketplaces. You can now start to offer depository accounts, automatic Monday

and all of this to your users where they are right? And similar if you're working in the gig economy. You can start to have a checking account manager, Financial life where you're actually getting paid. You're sorry to see this this change between as opposed to having banking than having a job. You're starting to see you do services, start to grow wherever you are. I think another really didn't want is their creator economy, which I think is really taking off, and it's all sorts of tools like this, that are directly at the Creator economy, and giving creators the tools that they

need to manage operating, all sorts of different campaigns and content across up of wealth of platforms. And he saw it in that in the one place. I think. There's a growing, a growing availability of tools there. Yeah, nice. So, you know which kind of the the growth of all of this happening. I wanted to ask for with the mod on this one. But you know, are are there any common misconceptions that you that you seen about open finance? I think most people don't know what open finance is that's like open banking which is like fairly well-established. I think people people tend to

think it's probably more than it is even like I think they think I'm going to have like tons of Freedom at a basic level is end of it to the fat. Black dude, that legislators have gone out there like demanded API access from these like 30 Old School institutions. I wouldn't do it by default. I think we're going to see Way Mall kind of improvements in finances because of an embedded finance companies where they making like new and Innovative thinking. But I don't think it's like a magic solution that fixes all the banking which like I think sometimes like I

read some articles. Yeah, she said you do find that. There's like actually then a difference between open financing and and banking as a service. Yeah, I think banking as a service is just as a quick explanation doesn't like makes a bunch of apis that enable people to build product. On top of that, man is not quite as easy as open banking. Like, if you are open to accompany one of us at this time. Do you normally have to do a custom deal with it? But one of the things missing in open banking is UConn, open a

new account, but I guess you can open a new account has quite a limiting factor. Like if you want to be able to embed a service in some ways, you kind of need to be something, you can do the same amount of like, sending money with open finance, but yet it's like country-by-country and it's kind of tricky to do, where is with engine is a service like sending and receiving money is much time left. I think banking is a services like generally speaking. Like much more Revolution. Rain sounds like in Weymouth

right now. Yeah, and I think if you had meant the both of you had kind of touched on this a bit, but no open banking her but you know, / open finance. However, you want to look at it as you know, really prevalent in Europe and other places but most as you mentioned, you know, most Americans are not familiar with the concept, you know, do you do feel like this is something that you know, Americans really should be educated on, keeps you on. Yeah. Yeah, I can open

bacon and open finance. They don't necessarily need to be things that consumers know about there. Going to be important in the way that if they enable the Fantastic experience, is for people that don't care about those experiences, not what's the terminology for with our area? Underneath is important. That is helping Drive. The growth of open buy a regulation globally and I think ultimately in in the US as well, as there's been a big wave. If you think about gdpr awareness about privacy and the amount of data that you create the second wave following. Which is the user feel like I

should have a right to control an access my data. And you're starting to see all sorts of different different countries. Look at the regulation. And that's really right open. Final socks to come inside to come exciting is, you have this idea of i, as a user should be able to control my financial data, see it all in one place and poured it wherever I want. So I think what open find is really helping revolutionized is exciting, is visibility and inside since you're on data, right? Control over at the ability to move it and take it into the services that you need, but then would still have to

be stalled on top of that. Is, how does that leave you access the new financial services and does it lead to actions being taken to actually give you Financial Freedom. So that's what mission is really focused. On is unlocking Financial Freedom for everyone. In a part of the technology, but I agree with the mod that I don't think people need to need to know what these terms are understand. Then what's important is what they lead to ultimately, which requires in tax and tech companies, innovate on top of their services, to really offer new Financial Service options to Consumers and small

businesses and take actions on their behalf for them to live a healthier Financial lights. Keep had mentioned, you know, Financial freedoms. You know, what are, what are you kind of see as the the different types of financial Fritos on how does open finance enable them? Yeah, I think this is different levels, right? I mean, the most obvious level is just like if you literally can't get a bank account. And how do you know, if you are? I'm just on the bank person. I think that's like Financial Freedom and just being able to actually use the banking system and being able to like be

part of the economy, which I think a lot of these in a new internet enable mobile apps and it made it easier to do but a long way to go and I think of a reason to even that's like you which which kind of open banking helps with is enabling kind of molten take applications and increasing competition in the space Bank self. Tanner has its regulatory Monopoly and it's like And yes, I think one thing that's kind of interested even touched on his like, crypto where, you know, no matter what do you think you're still kind of

relying on these centralized and a potties to make decisions on whether they give you an account with that, you can make a payment on where the scripture is kind of crazy because if you know anyone that the computer can make a one which is interesting and tons of like really giving people Financial Freedom thing. I'd mentioned, is there a lots of interesting that maybe they seem like niches but they're they're really not when you think of the global scale, use cases that open

finances, helping to enable and one of them is the ability to take your financial history with you when you move. So there's no Not only does that open up remittances, but now as a user, you know, if you had spent your whole financial life and one country. Typically you move somewhere else. You got to start from scratch right now, like your credit score and everything come over. Now, you're in a different world that is helping open up Global Travel Avenues and ends. Hopefully immigration cost more broadly. And, so, I've seen a lot of interesting start up working in that space. The other

thing that's happening is because all these api-based services around, the visibility and access, the insides are becoming available. Now, you can build and launch startups that are focused on solving a particular problem for a small group of individuals in a much easier way than you could have done 10 years ago through starting to see and that's that's what's gets this Innovation flywheel, go in that amount was talking about earlier. That's what's going to happen. Here, is your seeing people say, I'm actually going to build an application of slowly focus on helping renters not having to

pay a deposit every time they move to a new rental property because I can track their financial history. Improve their a good payer and a very low cost. The types of of businesses that a large institutional bank would go after 10 years ago, and be able to provide that service and now start of can do that and serve it at a way that's cost-effective. And so I think you're starting to see that Innovation really spread and all sorts of new use cases. And I think that's what's exciting about this face, is that you're starting to see this this plethora of new startups, grow and build solutions

for a particular needs of individual is Definitely. I've done a couple of Stories on companies that were taking, you know, helping people who are coming, like you said, from other countries, but they had and they were, they don't have credit and so they're trying to rent an apartment or even get a credit card and they just have zero credit history and they're trying to help them, you know, be able to do all of those things and in an entirely new country, but you know, with what kind of a lot of the, the things that go on and obviously there's no changing regulations all the time,

as new things, come on and people realize that they need to have you no regulations. So what are you seeing in terms of, you know, regulations may be like consumer data, right? So some things that you've already kind of mentioned of it. Where are where are we going to see some some things come coming in the future? Keith. Do you want to start? Sure, as I said, I think this is actually going to be something that happens globally over time. So it's more about where countries are in the stage by Journey and, and how they're going to approach it. I think you have the spectrum of extremely

regulatory driven out of options where you basically are defining everything down to the API spec. At a, at a regulatory level or you have market-based models for you. Maybe are defying the principal and I'm not in the market workout. What's the best way to provide that access for standardized that access? And I think you seen different countries are in different ways, but I do think that's that, that's the right way to write. You need to start with the principal, which is why I really like the way Australia for examples. Approaching this with her started, with a consumer

data, right? They sends Beyond banking data, to your ability, to track your utilities and access that. And then you start to build market-based Solutions. The difficulty. I think in all of these is that robot always takes longer than people are so many players in this ecosystem that you really have to all work together and come to the table together to make it happen. I think that's what's going to start happening and you already have open banking regulation and draft in places like Canada. The u.s. Is looking at it. I was sleepy. Ft 2 is already rolled out in the European Union in the

UK. So I do think of this is becoming basically for most developed markets at a primary focus. It's interesting. I mean to touch back on what keeps the US, does not see this kind of Regulation, which is how the US doesn't even have like a instant payments yet. Where is like that's being live in the UK avoid violating any technology like way more regular going to change in the US but it is interesting. Other countries. Do you have these technology mandates for the

one thing that I think is interesting. Best that the appraisal has a really good one that's been able to come in in the package. That is Nigeria. A good thing takes out and I think that's something we should be watching fun. Like at least on the global level that's actually going to improve a lot of cannot. I cannot financial services available in terms of countries like me Seymour and you're really kind of pioneering in this space a bit, you know, is it possible for the US took to catch up to other countries that are already doing this?

Yeah, I think it's important to step back to you and think about what what we mean in the in terms of catch up there. So I think the way I described this cuz he bought him work on both sides of the Atlantic. In the space. Is that the UK and Europe are the five years ahead of the US at least in terms of Regulation standardization and some of the core infrastructure. So instant payment rails, for example that they might mention what the US is actually five years ahead in terms of open finance, use cases that are available at stale in the Wilds, right? You can verify your income and

employment and you can track your student loan day. You can track your investment day. That you can't wrap your cryptoassets all of this stuff you think of it. So, compliance use cases cuz it's been market-driven versus regular for each of us, expected them to structure. You're talking about. I do think though that this is a place where a regulation can really come into play, like, we need instant payment. We need to have that in a way in the USA use Better and other applications and services. If not, that's where you're going to have third party starting to build out themselves. Just so

you know, the whole story of venmo and others that basically built this. The third party, PDP rail on top of a CH because of Need for his payments. And so, I do think it's going to appoint with a market. Demand is really high there. Nice yet. So do you think that if this word were to expand or there will be no more widely adopted, you know, open finance or open banking. Do you think that that's kind of a threat at all to what class is doing or do you think of the more, the merrier? I think personally the, the more, the merrier, what it does is it changes, but you're trying to solve right

in the early days of Plata in the history of plaid for folks that don't know if it were founded in 2013 and San francisco-based. We start trying to build a bunch of a nap then by doing that found out the hardest part was being able to connect people's bank accounts and then turned into you tip it into a B2B company and doing that in the service rather than enter. The story was one of it. Yeah, we found the pen point. We salted, not paying for it was access the data and connectivity overtimes open finance gets ran into regulation and standardized isn't spreads across the world point that

we're solving was less from solving just connectivity to see insights on top of that data, right? It's standardizing them categorizing transactions identify emerging from a transaction string. All these things that make the usable and insightful. That's what you focus on at that point. So I actually think the spread of open finances. It isn't that Boon for us, but it just means that the problem we're solving goes further up the stock. Okay, I'm on, I wanted to ask you eat. I wouldn't keep stalking about kind of getting together and all of this data and using it. You know, what

are what are some of the things that most people want to know? Yeah, it's kind of easier to think about it, in terms of use cases to me the use cases. That is like, it just like I Chase Building inside Christmas lights, sounds like it's having too many like a scale. Huge company is like really important and is being used by the Lord has like an underwriting, right? Like being able to use this data to underwrite something with, it's like whatever it is. Like you got this like Financial

history of the Lord is being a kind of do payments. Like once you access to the bank account is already huge use case. If you come to me to tell Zach to help us, like, make sure you're more legitimate as well. And then we'll let you pull money from my bank. Keith has like a whole list of 30 of your. Where does it go from there? Definitely. Kids, did you want to add anything there of automated Financial Services, right? Once you have the ability to visualize understand where all your finances are, whether whether you're an

individual or a small business. The next logical step is helping to create decision engines. And then the third step is innocence missions. Engines taken action on behalf of you until I think we're getting closer to that. It's going to take a little bit of time. But but that's what if self-driving Finance autonomous Finance, got that world is definitely going to appear. The other thing I would offer is starting to see changes and how B2B payments and cash flow management is happening as payment speed up. And sometimes come over thing ability to validate services and why they've been

delivered appropriately gets faster. I think you're going to see improvements in the speed of cash flow and cash flow management for small businesses. I think there's a huge job See there that we're still in the early days of addressing perspective using a bank or something like that. Even, I don't know. I don't maybe like 5 years ago and I'm not going to name the bank, but, you know, you even to move money from your own account, you know, you have several accounts in the same bank in yours, moving money from one account to the other.

And it would take them like, two business days to move money and you're just like that. It's one account to the other. You know, other Banks can do this simultaneously, you know, why you're a big Bank. You can do this inside. This is that is one of the things that I've really been interested in as you know, and covering kind of offense. X base is you know, the date that ability to move cash really quickly and move and not even just you know from you don't want me to like you but you can move it's like different countries in the currency, you know, of is are automatically in there. You don't

have to worry about it, it just kind of move. But I wanted to kind of also dive in a bit to just just one one more before I think we get to the Q&A section, but I wanted to touch up the touch on one of the cops that you had about, you know, is if open finance is a good regulatory model for other Industries, like, social networks of tell us a little bit about kind of your perspective there. Yeah, it's kind of interesting to think about like you to other industries that don't have apis ride like a very protective of

its that I kind of the most obvious. One. Facebook is basically, shut down. Anyone that's tried to use the safety. I do like Friday is the most valuable thing about Facebook and Instagram and what's a padiddle. Allow the data to be open by AP is in a regular. I think that's interesting. Right? Like if you can expose these kind of non-regulatory monopolies. Absolutely. Yeah, I think while we wait for this to see if any questions populate on my wanted to just kind of throw out one,

you've been talkin about you do apis and get you know the ability to build on top of other systems and things. Fort, you know, companies that are doing this, you know, that they have, you know, engineer some things that people with it does kind of expertise with some companies want to maybe have their own credit program or have something else and they don't have that expertise. And the other has been a lot of talk about kind of throwing out, you know, no, code, vs. Low code and that, you know, something could be low code, but you're still going to

need an engineer or someone to look through the code. Or you do actually flip the switch. And what are your thoughts on, you know, enabling companies to do something, you know, really easily keep the park if you want to start with that. Sure, I mean to me this is just a very specific example of what I think is very classic question, which is should I build by your partner? Almost everything I need to do my business and I think there are a lot of places in financial services where it makes sense to have a platform player. I think open banking is a classic

one of those, right? It takes a lot of engineering effort and time and intensive work to manage connections, to the thousands place. You can do that on behalf of thousands of customers. It makes total sense. This makes sense to the customer make sense for you. I think there is lots of other examples of that in financial services. And so I think if you're again be like designing, a new company today and financial services, you should be thinking about that way. Like what is my core competency where I am bringing unique value? My engineering time and resources to be spent there. If

it's not part of that core competency, I should leverage best-in-class Partners to help make that happen. And whether that's a no codes low code, be to be sassed style method. I think that's that depends on the situation and I think the only other thing I would add there though is given the complexity around Financial Services. I think we're still a ways away if they're being true. No code solutions for this. I think that works. Well, if you're designing a website or something like that, but there's a lot of nuance and financial services a lot of edge cases. So I think you still need

to rely on Partners to help manage that on your behalf versus no code solution at the co-op feature, in my opinion. Have anything to add on that? yeah, I think the Funny like when something becomes really standard you don't even think about it. Like if you take payments, for example that came with a credit card. They were all actually like pretty reasonable and no good solution to like go and do that. You can buy the surface area of small and very standardized where you can come up with no code. Local thing. I think when it's Complete

product designers and Engineers to rebuild a great experience in life and one of the things that she finally that the u.s. Banks do is they do kind of plug-in slightly disjointed. Find the headlights suddenly like you click on Zello something and every two different size actors, like Wheatley, it's coming up already cancel services will become more and more specialized. Yes, I know these things will have like a bobble, think they'll be like that. We like, the very generalized things happening already in the US like normal people. Using the big Banks because when you go on the

website and app, you don't need to look into Bank branches, though. There was a lot more specialized banking services like this time with an agriculture bank and blah blah blah, but not sex. You like actually being hurt on the other side. We will see the internet but it lies things weather's like there's a bank for a dentist. In those Banks would like way more use cases for like like the specialization would like to become like little to be like this kind of big players though, like what is trying or whatever that was going to happen?

In Grand Ledge totes to. This is like, how brand is becoming more important than financial services. Like they have this like crazy brand. Like I think it's really fun to pick up and he's built this, like really interesting, kind of gen Z Focus. Brian is going to become more and more important commodity and then the brand that you build on top of it is the real differentiator. It's going to leave consumers confused or do you think that like you said they're going there's going to be a brand to it that the people are going to be confusing. I'm using I'm

I'm I'm trying this or I mean, you know, you're doing that at it that it actually will help them. Actually. You don't understand better. Do things like I think more options in his bed up with encima by then? I don't think we should like baby. People are things like I don't think they'll be confused. Like I listen to kind of friends that have more options of having to like make more informed decisions. I think it's generally a good thing. Absolutely. I'm going to

play such a part in this because brands have already built trust and have built a large community will find ways to offer Financial Services to that community. So I agree that are specialization makes sense against any more specialized use cases. I think it would be built using and that if I an't apis off, in terms of enabling us or banking is a service providers. You take off on this, but I'll need a heart. How do you explain for a person that is not in the fintech world? How APS can help them indirectly as a user of another or maybe not, maybe

not even that product. Yeah, absolutely Sol. I mean I think the way to think about this at a high level for apis. Is there just a, a code base way of accessing the system? And so, what does a lot with this allows you to do is to choose best-in-class the stones from other providers and Stitch them together into your service that you're offering to Consumers to you as a user. For example, a great one. If this is, I think in many countries has started the case, maybe not in the US where you are proving your identity when your logging into new application via identity. Actually, good analogy

for this is single sign-on, right? So there was a time previously, right? Every time you download a new app, you had to create a new username and password and fill out the same information. Now, you can just say I'd like to sign in without Apple ID your Google ID or some other ID. All of us, an example of a t, i provided you a better experience and I can extend into Financial Services payment, maybe social media is were talking about there's all these different use cases, but I think of it that way, right, as you can now make things simpler and easier by being able to connect. Your data

from one service, Nexus that in a different service. Wonderful. I think that's I think this is a good place to end. Thanks to the both of you. Thanks to Keith into a mod, for being on the panel and sending it back to you Olga. Thank you. Everybody for watching, embedded banking being, probably one of the biggest Trends taking us. Would that be heard on this panel? And for all of you who are still watching, keep watching at 6 p. S d. We going to have our final session around democratization in data, and I think it's going to be extremely insightful. Have a wonderful break everybody.

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