MG: It absolutely will, given that a wide variety of ecosystem players drive the data decisioning. To strengthen and enhance the risk-based decisioning, interoperability of digital data makes that more transparent and effective, and should have a positive impact both for our customers to drive financing to where it is needed, plus economics from the banks’ perspective, as the decisions are now based on digital data rather than pieces of paper. GB: Time will tell. Data security will certainly be a part of this evolution, and this is where the implied security of blockchain is promising.