Also worth noting that in our own digital trust benchmark, PayPal and Apple, they increased with trust as financial institutions year over year. And if you zoom in on digital natives, Gen Zers trust Apple as a bank more than a traditional incumbent. So I'd say it's looking pretty good for Apple. Marcus Johnson:. Mm-hmm. Very nice. Rahul, Apple's push into banking won't work. Make the case.
There are apps like Uber and PayPal who've been trying to get there. It's just that we don't have the right consumer behaviors today in the US to do it. The most immediate issue for Apple is that their stock is down and the value of the company is down, and any time you're in the news in a bad way and the government's on top of you, that's going to be the biggest problem. Paul Verna:.