Podcast: Banks discover AI with shopper issues in thoughts

Whitney McDonald 08:10:35
Wendy, good day and welcome to The Buzz a financial institution automation information podcast. My title is Wendy McDonald and I’m the editor of financial institution automation Information. Immediately is June 17, 2024 Becoming a member of me is Rob Krugman, Chief Digital Officer of Broadridge. He’s right here to debate what banks are doing proper with AI. He may also share what shoppers are asking for from their monetary establishments and the way know-how may help meet these buyer calls for. Thanks for being on The Buzz, Rob,

Rob Krugman 08:10:58
completely properly first, thanks for having me. So my title is Rob Krugman. I’m the Chief Digital Officer of Broadridge. A little bit bit about my background. I’m a little bit of a unicorn in that. I began as a technologist, so I graduated school with a CS diploma, type of within the 90s. , labored at plenty of digital businesses, together with one which I used to be type of a part of the founding crew. And so shortly, type of took an interest within the artistic aspect of the of and the design aspect of the method of fascinated about new options and capabilities, and moved to a method position, a product position. And now I might say I’m type of extra in a futurist position the place, , my job is basically to type of look ahead and type of perceive the place issues are headed. How can we leverage new applied sciences and providers to digitize experiences, create new platforms and disrupt companies? So once more, I’m a bit of bit, I type of you just like the time period unicorn, as a result of it’s type of this ahead wanting time period as we take into consideration issues. So the opposite a part of your query was about Broadridge. And so, , Broadridge is a, , relying on the day, 23 $24 billion public firm. And there actually are, , two facets to our enterprise on, , on one aspect of our enterprise, we offer providers to the monetary providers trade to assist them run their companies. And so, to present you an thought, on any given day, we clear about ten trillion in fastened revenue and fairness securities by means of our platforms globally, we’re clearly not a dealer supplier, however our shoppers are dealer sellers and asset managers. And , all completely different members within the monetary ecosystem. The opposite aspect of our enterprise, which represents about 70% of our enterprise, is our communications enterprise. And , inside our communications enterprise, we assist organizations talk with their prospects, with their shareholders, with their shoppers by means of quite a lot of completely different sort of mechanisms. There’s advertising and marketing communications, there’s communications about your account, there’s regulatory communications. And , we’re not simply somebody that merely distributes content material, however actually what we’re is we, we’ve turn into an enormous information firm the place data flows into our techniques, and we work to take that data and ship customized, related experiences to people, which facilitate actions and facilitate engagement on behalf of our shoppers.

Whitney McDonald 08:13:05
Thanks. And once more, thanks a lot for becoming a member of us now. You talked us by means of a bit of little bit of your background. You could have the know-how aspect, and now you’re serving because the Chief Digital Officer. Perhaps you’ll be able to inform us a bit of bit extra about that position, what your daily appears like, a few of your obligations because the Chief Digital Officer?

Speaker 1 08:13:23
Certain. Yeah. So Chief Digital Officer is type of this bizarre title, as a result of it concludes a number of various things and imply various things, relying upon what group you’re employed for. So , in my position, it actually is 2 items. The primary half is, if you concentrate on the phrase digital, it’s digital transformation. And in right here’s my view of what the phrase digital means, proper? Digital and digital transformation is, how can we take know-how and knowledge, wrap that round a newly reimagined expertise from the angle of the person, we’re making an attempt to resolve want for and ship one thing new, proper? So it’s that know-how, content material, information, expertise, to create one thing higher than what was there earlier than. In order that’s half. And I work with the completely different enterprise models, and I communicate to our shoppers about how can we really take into consideration digital transformation? How can we leverage these new applied sciences to reimagine the best way we ship providers and the best way that that we ship the providers that we’ve got at present. The second half is round innovation. And , I’m chargeable for type of our innovation capabilities. We’ve an innovation lab. And once I use the phrase innovation once more, I give it some thought in two methods. There’s what I consult with as sustainable innovation, which is the work that product groups do, the place it’s round, creating roadmaps and considering directionally, the place can we need to take these merchandise, and possibly, how can we combine AI into a specific answer? After which there’s disruptive innovation, proper? And so my innovation lab particularly focuses on the disruptive innovation aspect. How can we take into consideration these rising applied sciences, AI, Blockchain? All various kinds of transformational issues for our trade. And the way do they create new alternatives? How do they doubtlessly create new companies? And the way do we predict they doubtlessly may disrupt our shoppers, in addition to Broadridge? And the way can we really remedy for that? And an enormous a part of innovation isn’t just doing what we predict is true, nevertheless it’s additionally working very intently with our shoppers and creating options collectively. So we will, , reimagine monetary providers collectively.

Whitney McDonald 08:15:21
So talking of that method to innovation, in fact, you’ve got the interior crew that determines what to deal with, but in addition what you have been simply mentioning the shopper, the shopper expertise, or the shopper suggestions. Additionally helps with that innovation. So that you guys do that annual Broadridge buyer expertise and communications shopper perception survey. I’d love in the event you may inform me a bit of bit concerning the survey itself, and we will speak by means of a number of the findings of the newest survey, and what you assume the highlights are. Certain,

Speaker 1 08:15:51
certain I pay attention. I believe the a very powerful perspective of this communication survey and person expertise. Buyer Expertise is the phrase buyer. It’s the phrase person. It’s how can we really seize data from the customers that we serve, and doubtlessly, much more importantly, from the purchasers that they serve? To make use of that because the driving issue of how we develop options, proper? If you concentrate on expertise, expertise shouldn’t be one thing that the 2 of us sit in a room and say we’ve acquired a fantastic thought. It ought to work precisely like this. We might have an thought, however to validate and make sure that that’s the precise thought, we’ve got to go communicate to people who find themselves going to make use of it and the way they’re going to leverage it, and we’ve got to grasp what they’re about. So from my perspective, expertise is type of synonymous with design considering. How can we create options from the angle of these which might be really going to be utilizing these options and work backwards? As a result of after we do it the opposite manner, we could possibly be fortunate and be proper, however after we do it from the angle of the top person, the probability of success is far better as a result of we’re really fixing issues for the those that we’re making an attempt to resolve issues for. And a humorous factor occurs whenever you try this, whenever you remedy these issues, you find yourself fixing your individual issues. So what the survey gives is, it gives us insights into the best way individuals are fascinated about new applied sciences, fascinated about expertise, fascinated about directionally, that the best way that they need to be doing issues. And we’re capable of bundle that to start to say, Okay, what different questions are crucial? How does this affect the options we ship, and the way can we work with our shoppers to extra successfully ship what they’re making an attempt to do?

Whitney McDonald 08:17:23
So a number of the highlights that I type of picked out from the survey have been AI, implementation, personalization, so we’ll speak by means of a few of these. However first, primarily based on the survey, possibly we will speak about AI. After all, we will’t ignore AI, proper? However what? What banks are doing? What are banks doing? Effectively, in the case of implementing AI, what are you guys seeing on that entrance?

Speaker 1 08:17:46
So I believe , the very first thing that they’re doing is that they’re experimenting, and that’s really a very powerful factor, proper? So what one of many issues we discover is that in the case of AI, a number of the efforts are internally targeted. How do we offer efficiencies making it simpler to make use of our platforms allow monetary advisors to do their job higher, proper? And possibly some customer support capabilities the place we will make it simpler for shoppers to truly service and get self service, after which finally go to the precise of us. That’s a fantastic place to start out, as a result of the danger stage with that sort of experimentation is managed. And , so one of many challenges, and one of many issues that got here out of the survey is that, , shoppers really feel that AI lacks a way of empathy, proper? Proper? That’s actually good suggestions, proper? One of many issues we additionally know is that if we have a look at the know-how each single day, AI will get higher. I used to be at a convention just lately and somebody spoke about that AI is as unhealthy because it’s ever going to be at present, proper? And you may principally repeat that each single day. And in order we take into consideration the longer term, how can we leverage AI to extra successfully talk with our prospects and to facilitate empathy and perceive who they’re? Turns into more and more vital. So the opposite aspect of that is personalization, proper? You hit on personalization as a element of this. personalization is basically vital, proper? Particularly, in the case of communication, we even have a stat that claims 45% of shoppers have stopped doing enterprise with firms who did a foul job of customizing experiences to their particular wants. That’s it. That’s a staggering quantity, 45% so in the event you take that quantity, after which you concentrate on AI and assume the place we could possibly be headed, proper? I used to be in a one other session simply the opposite day, and somebody was speaking about actual time experiences, proper? This sort of damage my head a bit of bit as I used to be beginning to assume by means of the ramifications of it. As a result of if we take into consideration the best way we personalize content material, and even the best way that we use AI at present is to present us indicators associated to personas, properly, what if we’d have to do this anymore? What if we may really use information and knowledge feed that into an actual time expertise engine that creates an expertise particularly for you. That’s the place issues are headed. Now, are we there but? No, proper? There’s challenges that must be overcome. There’s challenges round hallucinations that exist inside AI and the way can we really tune the llms correctly? That stuff is all coming. I believe. The opposite side of this, and this was one other discovering, is round information, safety and privateness, proper? How do you , one of many actually fascinating issues about AI is all of the stuff that we will do. One of many questions we’ve got to ask ourselves is, how a lot stuff we really ought to do, proper? So safety and privateness turn into actually vital as a result of we’re capable of acquire insights at a stage that we haven’t been capable of. To earlier than, as a result of the know-how can really determine these after which it turns into a query is, when can we get to that ickiness, proper? Like we’ve got to be actually cautious, particularly in communications, that we don’t scare individuals away, and that’s the place empathy begins to return in. So I believe the mix of these items begin to work collectively, and the top result’s significantly better experiences. And in the event you ask me the place I believe it’s going to move, I believe we’re going to finally get to a spot the place we’re capable of talk with people as people. Yeah,

Whitney McDonald 08:20:59
and also you’re beginning to see, I it actually resonates what you stated about AI is as unhealthy because it’s going to be at present, it’s so true that it’s consistently altering and and adapting and getting higher at what it’s speculated to be doing. I type of wished to return to one of many factors that you simply made about personalization, and it’s a type of parts of leveraging AI that will get you to a spot the place you’re having these personalized experiences. You talked about a statistic that you simply’re you’re you’re seeing shoppers go away firms or stopping being a shopper or patron of sure companies that don’t have that personalized expertise. Perhaps we will break down a bit of bit what position information actually performs in that, and possibly a step additional, not simply how vital it’s, however how do you just remember to are tapping your information as a monetary establishment? How do you’ve got significant information that you may actually use to your profit,

Speaker 1 08:21:56
certain, and I really assume what’s fascinating about this, the query you simply requested is, let’s additionally tie AI into that, as a result of I believe there’s a job it will possibly play. So , if we take into consideration the forms of communications organizations ship to their prospects, I have a tendency to consider it in a number of completely different buckets. There’s Advertising Communications, which are typically the mess the very best communications that folks ship. They’re very, very expertise pushed. They’re actually targeted on facilitating conversions, proper? It’s about producing new enterprise. So not surprisingly, there’s an enormous period of time spent on them. The Different Facet, although, is when somebody turns into a buyer, all proper? So let’s take into consideration monetary providers. I turn into a buyer of a brokerage agency or an insurance coverage agency or a financial institution, proper? There’s communications that must be despatched to me. A few of them are regulatory communications. A few of them are account communications, like month-to-month assertion, could possibly be commerce con companies or different various kinds of letters and notices that I get from the establishment I’ve a relationship with, by and huge, these communications don’t have any empathy. They’re not customized in any respect. They’re the identical factor that everyone will get. And there’s such a misplaced alternative right here, proper? So one of many fascinating issues we’ll return to the survey for a second Gen Z and millennials. 45% of individuals we stated, will cease a relationship due to the dearth of personalization. As you get some youthful generations, it goes as much as 55% so why is that vital? What can we do about it? You talked about information. Information is the primary driver right here. If we give it some thought, we all know rather a lot concerning the individuals we’re making an attempt to speak it with, however what’s occurred? And I don’t need to use the phrase lazy, as a result of that’s not what it’s. It’s that we view a number of communications as checkboxes. We have to ship out this content material, we have to ship out a invoice, we have to ship out a press release, we normally must ship out a regulatory disclosure doc, however we don’t take into consideration the affect on the connection after we ship these issues. What if as an alternative we considered personalization and the alternatives to say each time that we talk, it’s a contact level with our shopper, a real contact level. This can be a assembly. This is a chance sit in a room reinforce the worth proposition that we convey and clarify data in a contextually related manner that the shopper perceive what it means. Proper? That might be an enormous step in the precise course. So type of, what are a number of the areas we will have a look at after we need to try this. So one of many extra fascinating issues is, during the last two or three months, a fantastic place to look is LinkedIn, proper? So LinkedIn up to date their whole platform to combine AI, so each single submit has prompts built-in, the place you may get details about what was simply stated in that individual submit. That’s a very highly effective factor. So if you concentrate on that in monetary providers, let’s go to brokerage, for instance, as an alternative of merely sending a press release that stated, Whitney, you’re up 3% for the month. Listed here are your holdings, and right here’s the return. The fact is meaning nothing to you. What can be rather more efficient if it had stated, Whitney, you’re up 3% for the month. Right here’s the way you examine to different those that appear to be you. Listed here are a number of the drivers of that efficiency. Right here is, let’s have a dialog, as a result of I believe we may change a couple of issues to truly drive higher efficiency. That turned a fascinating communication and there’s so many alternatives to do this throughout this content material, regulatory supplies. I , individuals are not leaping up and down when a regulatory doc involves them, however the actuality is, these regulatory paperwork doubtlessly have actually vital data, nevertheless it will get misplaced as a result of there’s a lot of it. So how can we pull out data and say, hey, the RE. And also you’re getting it’s because you really personal this inventory, proper? That is what it means to you. That is what you’re being requested to do, and this is the reason it’s vital. We have to present that context, that empathy in all forms of communications. That’s type of like bucket primary, pocket quantity two round personalization is recognizing that, particularly in monetary providers, individuals have a number of relationships. I’ll have a wealth account, I’ll have a checking account, I’ll have an insurance coverage account, and so they might all be with the identical group. After we get completely different items of data from all of these components, we’re inundated, proper? It really turns into noise. And so one of many fascinating issues that we’ve got discovered is that in lots of circumstances, individuals choose the bodily expertise versus the digital expertise, as a result of within the bodily expertise I do know what’s vital and what’s not in a couple of seconds, however within the digital expertise, I obtain cryptic emails that don’t embrace empathy, don’t embrace data, and so I don’t know what’s vital, so I ignore them. And that’s an issue for everybody, proper? It doesn’t imply we shouldn’t be sending these items. We should always, however we should always make it a part of the story, and that story ought to actually be targeted on the wants of that individual individual. And right here’s the humorous factor, individuals are scared to do that due to laws. For those who really have a look at laws, you perceive them, you’ll begin to notice that each one these things can work collectively, proper? We could be regulatory compliant whereas facilitating empathy and offering a narrative. And truly, we will do it rather a lot higher digitally than we will bodily. And so it provides the chance to drive that digital transformation and that digital adoption.

Whitney McDonald 08:27:04
No, it’s such an effective way to attach these dots and to offer the instance of LinkedIn, and it takes away just like the futuristic what can ai do? You’re already seeing a number of AI utility, and that is LinkedIn. Isn’t essentially monetary providers, however it’s a optimistic expertise that you may acquire a bit of bit extra data about who’s interacting with the submit. Okay? So can a monetary establishment acquire a bit of bit extra data about how their shoppers are interacting, or, such as you talked about, you get various things in your inbox or a textual content, and also you’re like, I don’t know. I already know that, or that doesn’t imply something to me. So seeing AI applied in that manner and saying, Really, we may apply this to monetary providers and have rather more significant such as you stated, it’s a missed alternative. You’re already making contact with a shopper, however you didn’t get something out of it. They didn’t get something out of it. So I like that instance, and it type of takes away the what ifs round AI, since you’re seeing it in motion in several realms and completely different industries, and it’s working. It

Speaker 1 08:28:11
can also begin, , with simply context, proper? Such as you don’t. We don’t must go all the best way to type of creating this uber customized expertise, utterly developed by AI. We will really begin with small items, and it could possibly be so simple as this doesn’t even consider AI, take into consideration a commerce verify, proper? In case you have a monetary advisor periodically all year long, they’re going to make trades in your behalf, and chances are you’ll obtain, , tomorrow within the mail or by means of e mail, 5 commerce confirms, and it says, You got this, you offered this, you offered this, you acquire this, proper? That’s all it says. And also you’re type of left asking the query, Why? Why did this occur like and there’s no context. Take into consideration the facility if it merely stated, what your portfolio was out of steadiness towards your targets. I wished to make some adjustments, so we modified the place, and also you now rebalanced towards these positions. In case you have any questions, give me a name, proper? That’s not even AI. That’s simply offering an outline of truly what occurs, and you concentrate on that monetary providers circumstances. My favourite instance is the reason of advantages for healthcare, proper? I do know it’s not finance, however everybody will get this. You get these EOBs within the mail and it says, This isn’t a invoice. You owe $200 and also you’re like, What do I do with this? Like, is that this? Do I really owe somebody cash or not? It’s as a result of context is lacking, proper? And that’s the place personalization turns into so vital. I believe if it , we will personalize the expertise and what it appears like. Personalizing the content material by offering context is so vital for individuals to grasp what it means to me, as a result of if not, it’s only a generic piece of data that actually has no robust profit to me. Yeah.

Whitney McDonald 08:29:53
Now we talked greater image. We talked a bit of bit concerning the survey. You gave some information there. We talked AI and personalization, however extra particularly, I’d like to listen to a bit of bit extra about what Broadridge shoppers are actually asking of your crew, and type of how that innovation matches in what you’re engaged on at present to actually match a few of these speeds. Yeah.

Speaker 1 08:30:14
So I might say the 4 major areas that we’re fascinated about in the case of innovation, the primary is expertise, proper? So, and it’s not simply communications expertise, it’s expertise of the whole lot that we do. How can we make it possible for we’re targeted on empathy in the whole lot that we construct in order that. That our communications are simpler, that we distribute on behalf of our shoppers, that the interfaces that we offer consider the people who find themselves going to make use of them, so it makes their jobs simpler, proper? Simply for instance, I used to be just lately, and I’m not going to say which financial institution it was, nevertheless it was just lately at my ATM machine, and so they rolled out a complete new expertise. And what used to take possibly 4 clicks on the display screen on the ATM machine. Now, it takes about 15 and I used to be like, What on the planet did they do? And I used to be, I used to be I used to be visibly annoyed on the machine. I used to be like, they didn’t do robust usability testing right here. I’m unsure what they have been considering. It appears fairly, however doesn’t make my life simpler. In order that turns into actually vital. So expertise is basically vital. Ai, I don’t assume you could be a company at present in the event you’re not being attentive to what’s occurring with AI, proper? And in order that comes actually from from two views, proper? We’ve groups which might be targeted on, how can we take into consideration integrating AI into the options that we already present to make it simpler for individuals to make use of these instruments to determine efficiencies and allow these efficiencies to occur. What my crew actually is targeted on, although, is, how can we leverage AI to facilitate extra interactive communications, make it simpler for individuals to get solutions to their questions, to offer copilots that enable us to type of dig deeper into data and the place it’s going and the place I actually get enthusiastic about AI is the longer term. How can machine studying plus AI make it simpler for individuals to make selections, proper? So if machine studying is getting used to determine anomalies that exist within the information that robotically turns into exhausted as we’re working by means of and offering processes for shoppers, can AI really be educated to truly make selections, after which when the choice is a precedence sufficient, it goes as much as a person to assist them to do their jobs. That’s type of, , one of many issues that I have a look at the third bucket, and this actually isn’t communications associated, although, I believe sooner or later will probably be, is round tokenization, proper? So we’re spending a number of time fascinated about not simply tokenization on the planet of crypto, and we’re doing a number of work in that house, but in addition, what does tokenization of actual world belongings imply, and the way is that going to have an effect on and what sort of latest services and products are going to be made accessible? Proper? We’re seeing a number of this the place banks are experimenting with token ace and asset managers are focusing tokenization. And I believe the place that finally involves is the impact that blockchain and DLT particularly, tokenization goes to have on conventional finance? Proper? Are we going to see an eventual transfer the place funds and equities are tokenized belongings that commerce in an actual time method, and simplify the again workplace processing and efficiencies to a stage that we most likely by no means thought was even remotely attainable. So these are type of like three of the massive areas. The fourth, which is type of extra of a an space that I’ve been fascinated about for a very long time, and it speaks particularly to personalization and communications and the whole lot that we attempt to do is identification. So , one of many the massive issues that our trade has needed to remedy for because it’s turn into a digital trade is identification. How can we do and what can we do with details about our prospects? How can we shield it? How can we use it? How can we make it possible for it’s not a part of a cyber assault or weak, proper? And the danger related to that, and the know-how related price organizations billions of {dollars} a 12 months, proper? So just lately, there’s been some main adjustments. The the CFPB in November issued a brand new algorithm, which is type of GDPR plus for the monetary providers trade. The White Home in February issued an government order. We’re seeing the identical factor in healthcare. And basically, what it’s saying is that shopper data is owned by the patron, proper? Let’s not query the place we’d retailer data. It’s owned by the patron. And so what we’ve been experimenting with is we experiment with AI and we experiment with tokenization and net three applied sciences are there alternatives to present shoppers management over that data and make it simpler for them to interact frictionless with the organizations they work with? Proper? Can I’ve a digital pockets that’s my that’s me, it’s my title, it’s my tackle, it’s my social safety quantity, it’s the opposite items of details about me, and might I exploit that to facilitate connections with numerous service suppliers? As a result of whenever you try this, it eliminates friction, it really will increase safety and does different issues as properly. However the greatest worth proposition to organizations goes to be the elimination of friction within the digital world, as a result of friction proper now, proper we type of hit on it earlier than 45% of shoppers resolve to cease doing enterprise with a company when there’s not a customized expertise. What I can inform you, and it’s not captured in these numbers, however what I do know is that when friction occurs, I get an e mail and I’ve to click on on one thing and I’ve to recollect username and password I don’t know, or I level my telephone at a QR code and it asks me to do one thing, and I don’t know the right way to get in. I. That’s kills convergence, proper? And so identification is such a central portion of that’s, can we simplify that and we will break the limitations to make it simpler to move between the 2?

Whitney McDonald 08:35:46
Effectively, even your ATM instance, it’s a bit of bit completely different, however you’re like, why is that this so difficult? I’ve achieved this when it was simpler, so yeah, the in and the frustration that comes with that, or, such as you stated, you’re identical to, overlook it. I don’t need to do that. I don’t need to undergo

Speaker 1 08:36:01
this simply, simply the opposite day, we had a difficulty the place we’re making an attempt to ship cash by means of Zelle, and it acquired locked up for some motive, and we needed to get on the telephone at 1130 at night time to talk to, like, like, that is loopy to love, ask me questions. You’re like, Is that this even the financial institution I’m speaking to? I’m involved I’m talking to somebody that’s making an attempt to somebody that’s making an attempt to steal my data. And also you’re like, That is loopy, proper? So, like, there’s, I believe it goes again to this concept of if we lead with expertise and we deal with empathy, and what I imply by that’s, how can we put ourselves within the sneakers of the individuals we try to speak with, service, facilitate actions with and make it simpler for them to do this in a manner that’s safe, that they don’t. They don’t essentially see the safety, nevertheless it’s there. That’s that’s January regulation. That’s what we’re all making an attempt to do. Yeah, yeah,

Whitney McDonald 08:36:45
completely. And all of these buckets that you simply talked about are tremendous vital proper now, the AI tokenization, after which, in fact, the safety as properly, which type of all goes into this entire thought of investing in digital and frictionless experiences that customers it’s very clear that that’s that’s what they need, that’s what they want. And so assembly up with that buyer demand by means of all of these buckets is basically vital.

Speaker 1 08:37:13
What’s actually fascinating although, simply I didn’t know one level there that you simply simply stated. The excellent news is there’s loads of locations the place we will steal concepts from it. I don’t imply that negatively, proper? The retail trade, the non monetary providers trade, is basically good at these things, such as you need to see nice buyer experiences. Go, have a look at what Apple does. Go, have a look at what Amazon does. Go, have a look at what Google does, proper? Go, have a look at what retail shopper websites do. It’s fairly superb. And you can say, we’re not competing towards the opposite financial institution, we’re not competing towards the opposite dealer. I’m competing towards Amazon. I’m conceding towards Apple. How do I really ship experiences which might be at that stage? As a result of in the event you do, that’s the way you get individuals excited, and that’s they speak about it like. You need individuals to turn into web promoters. Ensure that the best way that you simply talk and the best way that you simply ship experiences shouldn’t be considered towards the previous financial institution that they used to work with or the previous wealth administration agency they used to work with, have them view that towards. Wow, this appears like one thing that Apple would ship, proper? That provides you bonus factors.

Whitney McDonald 08:38:13
You’ve been listening to the excitement a financial institution automation information podcast, please observe us on LinkedIn, and as a reminder, you’ll be able to price this podcast in your platform of alternative. Thanks to your time, and make sure to go to us at bankautomation information.com for extra automation information. You.