Is There a Fully Inclusion Financial System?

Maybe 30 million Americans are underbanked or underprovided as it relates to financial services. What do you think a fully inclusive financial system would look like? It oftentimes starts with payments in that I think people's initial foray into the digital economy is through electronic payments and then getting paid when and how they want to be paid. And we've got more players who are willing to serve that market than just the traditional banks.