Big issues in FinTech

[musical overture]

So I think the biggest issue we are facing at this point is actually taking some of the concepts that have been explored and implementing them.  So we are coming from an environment where there are some really great ideas, some great thinking, both in the retail, the commercial space, but actually applying those and building out the infrastructure and creating that minimum and viable product in a production environment.  So I think we’re seeing some really exciting things happening around that, we’re seeing some real production scenarios rising that we can build on and once the infrastructure is in place we’ll have some fantastic use cases actually come to life.