It's pretty broad. I would use the example that my parents have smart phones and my in-laws don't have phones. I think it's that, regardless of age and regardless of culture, you're seeing different people trust different channels. When they're comfortable and they understand the brand or the technology behind it, they are starting to move on their own, as long as they understand when there's a guarantee and there's trust and when they can feel that their money is going to be put to use in a responsible manner.
On May 7th, 2019. See this statement in context.