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So what is open banking and PSD2? [CRICKETS CHIRPING] So open banking and PSD2 force banks to open their historic data and current data of their customer to a third party. So theyre losing actually the advantage they had back in the days. Somebody listen to this. Im scouting digital and tech trends around the world in order to bring it to you. And Ive helped numerous companies to set up ecosystems of digital products and services and to increase their docHub with attention hacking. Well, banks hide treasures. And in the safe deposit boxes, the value of generation lies. But the most valuable thing a bank has is not cash or gold, its the data of the customer, the deep insight into the total wealth, allocation, and the consumer behavior. But why is this valuable? Back in the old days, a bank manager when he or she saw a large sum income in an account of a customer, they got the phone and called the customer and tried to sell them a financial product in which he can put his money and h