You were quite positive about the earlier comments of AWS about centralized structure and an iCloud type of system where everything is at the same place.
There are two things. First, does that mean you support any initiative towards open banking where everything is in the same place?
At the same time, we talk about those centralized systems with such trust in their security that we don't feel the necessity to discuss an insider job or human risk factors. It's as though they don't exist anymore.