I think there is a tremendous amount of innovation coming.

Yeah, this is Matt with Titan Banking.

Could not agree more, Mac, with you.

My view is we're not even close.

That said, I think what financial institutions are starting to see is they've got to show outcomes and results.

I pulled a stat for us to kind of think about 80% of FIs are deploying AI as we speak and 14% say that it's transforming their competitive position and they can tie it to revenue.

This to me shows that it's not a technology bottleneck that we're facing, but potentially rather a deployment bottleneck that we're going to start to run into that, you know, once overcome, we'll give it kind of that next leg.

They're using some of the personal productivity tools, but they're not engaged strategically in how this is going to evolve over the next five to 10 years.