The way we&#x27;ve figured out so far is really learning from a failed past experience. We built a product in the past which was a kind of Yodlee or Plaid competitor (<a href="http:&#x2F;&#x2F;spout.co" rel="nofollow">http:&#x2F;&#x2F;spout.co</a>) and learned alot of what consumers cared about along the way while never hitting an actual nerve with clients who were willing to pay us money.<p>I think we started like most people would here, by partnering with existing banks. So we have a signed pilot with one major bank and are working on a partnership with another one. But knowing how slow they move we started looking at other avenues that could make a more immediate impact.<p>The pilots are around lost or stolen cards and being able to have your autopayments as proxy cards so when the number of the card on your Target or Home Depot account gets stolen the number of the card in your wallet doesn&#x27;t have to change and vice versa.<p>What we&#x27;re working on now is a way for people to identify bills in their email that we can then process and remind them when they&#x27;re due and how much money they may have left in their accounts when paying them. This allows us a couple of opportunities.<p>1. To get consumer eyeballs on something and to see if people would like to pay bills via a simple Venmo-like product.<p>2. Building a base of potential users for an actual bank launch.<p>In that vein some of the underlying tech behind an actual bank itself becomes the most interesting part of the problem once a transaction is approved.<p>But until we get behind the kimono we really don&#x27;t think theres a way to know how much we&#x27;ll have to build or improve with the underlying tech and systems but we suspect what is built can be leveraged in several ways.<p>What we do expect is a complete questioning and re-thinking of how every single thing is done from how customers deposit money to how we issue new accounts and how underwriting is done on loans of all types.