I'd agree but it is also not clear what actual "innovation" customers might want. Depending on where you are, you already have instant transfers, dematerialized

I'd agree but it is also not clear what actual "innovation" customers might want. Depending on where you are, you already have instant transfers, dematerialized credit cards, some real-time credit approval, etc. You also need to see the nods to hypes at least partially as signalling not as necessary acknowledging a lot of value there.