So you can see who the recipients are. If it's an omnibus account at Wise or Revolut, you kind of know the amount.

Exactly, and we see this. For example, with Raiffeisen, we're looking at closing in on 8-digit billions in terms of outflows, and it's growing. Just do the math. Hypothetically, if you're confronted with 2 billion in outflows, not everything is FX, and not everything will go into cross-border payments. Assume it's 50%, and you're able to win back 50% of that and add a percentage margin. The business case stacks up quickly. It depends on your international payment volumes today.

So you can see who the recipients are. If it's an omnibus account at Wise or Revolut, you kind of know the amount.

Also, consider customer convenience. In my experience with HSBC, when we rolled out new payment capabilities in nine markets, the upsides were visible within a week. There are four segments to consider. The first is temporary because whoever goes first will have a competitive advantage as a bank, possibly due to brand, to win new customers. The second is that customers already make payments but might do them elsewhere, so you increase the volume of your existing customers.