Mr. Maurice Crowley:

It is Fintech in a market. The Senator reads the statistics as much as I do. N26 is capturing a number of customers in this market.

Starling Bank from the UK, whose CEO we met a couple of weeks ago, is planning a launch in Ireland later this year. Starling Bank is run by Anne Boden who used to be the chief operating officer of AIB a number of years ago. She spoke at a function in Dublin and made it clear that the bank would launch in Ireland later this year and would also use the country as a platform to sell into Europe.