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… right now. And what we are seeing is the convergence of two supercycles, that are quietly influencing every aspect of financial services. The first supercycle is a Neo Normal. It's the convergence of tech and … entering the post-digital aid of banking. And the second supercycle, and perhaps the most important one to banking …
… integration at another level. I sat through Ron Morrow's supervisory framework for the Retail Payments Activities Act …
… for retail users. Recently, I sent funds to another party and I had to wait for them to settle before I could … it took me a few years to learn that my deliverables were superior when I spent the time connecting and consulting. … … and remote environments. We may also see the emergence of super apps that allow users to do everything under one app …
… is that we need to build in resilience against third-party and vendor risk. Sonia Baxendale: This is an area … We'll see more acceleration in this whole area of third-party and vendor relationships. Cyrielle Chiron: Yeah. … in terms of additional lessons learned. I touched on third-party suppliers and vendors, but I would just emphasize the …