I'd say that in part—and this is actually part of the answer to the previous question as well—fear or confidence in a system is in part a function of how easy it is to use and understand and how transparent the system is about how it is dealing with you and with your information.
We understand that digital is, generally speaking, a good, efficient means to provide services at scale at a lower cost. As Mr. Benay noted, we would never want to close out other forms of service; we want to make sure that we remain multi-channel. But the extent to which adoption and digital happens or does not happen has everything to do with the type of experience people have, which is why it is so important to be working with those people at every step of the process.