I was recently on the train from the airport in Stockholm and a group of teenage girls was in the same cabin. I was amazed. Those are our customers in the future. Yes, everything takes time. There are no fast takeoffs.
Most products take five years before they take off.
It was that way with foreign payments. We have taken millions of transactions away from the branches and onto the Net. We must take even more away from the branches. Finland used to be overbranched. But now it is almost underbranched.