@PositiveGamma Agree and disagree, Gamma saar! Digital bank that competes on strength of offering should mitigate higher expected churn, while lowering cost to serve for higher profitability. Besides, a morbid thought, the size of the physical only segment incrementally reduces year on year.
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@jeffgoodell Awesome, I do think we need more work imagining a 3 degree world, or even 2 degrees. Heck, even 1.5 may not be pretty considering what 1.2 looks like.
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