Podcast: Banks discover AI with shopper issues in thoughts

Whitney McDonald 08:10:35
Wendy, whats up and welcome to The Buzz a financial institution automation information podcast. My title is Wendy McDonald and I’m the editor of financial institution automation Information. In the present day is June 17, 2024 Becoming a member of me is Rob Krugman, Chief Digital Officer of Broadridge. He’s right here to debate what banks are doing proper with AI. He may also share what customers are asking for from their monetary establishments and the way know-how might help meet these buyer calls for. Thanks for being on The Buzz, Rob,

Rob Krugman 08:10:58
completely nicely first, thanks for having me. So my title is Rob Krugman. I’m the Chief Digital Officer of Broadridge. A little bit bit about my background. I’m a little bit of a unicorn in that. I began as a technologist, so I graduated school with a CS diploma, type of within the 90s. You realize, labored at plenty of digital companies, together with one which I used to be type of a part of the founding staff. And so shortly, type of took an interest within the inventive aspect of the of and the design aspect of the method of desirous about new options and capabilities, and moved to a technique function, a product function. And now I might say I’m type of extra in a futurist function the place, you already know, my job is basically to type of look ahead and type of perceive the place issues are headed. How will we leverage new applied sciences and companies to digitize experiences, create new platforms and disrupt companies? So once more, I’m slightly bit, I type of you just like the time period unicorn, as a result of it’s type of this ahead trying time period as we take into consideration issues. So the opposite a part of your query was about Broadridge. And so, you already know, Broadridge is a, you already know, relying on the day, 23 $24 billion public firm. And there actually are, you already know, two facets to our enterprise on, you already know, on one aspect of our enterprise, we offer companies to the monetary companies trade to assist them run their companies. And so, to offer you an concept, on any given day, we clear about ten trillion in fastened revenue and fairness securities by way of our platforms globally, we’re clearly not a dealer seller, however our purchasers are dealer sellers and asset managers. And you already know, all totally different members within the monetary ecosystem. The opposite aspect of our enterprise, which represents about 70% of our enterprise, is our communications enterprise. And you already know, inside our communications enterprise, we assist organizations talk with their prospects, with their shareholders, with their purchasers by way of a wide range of totally different kind of mechanisms. There’s advertising communications, there’s communications about your account, there’s regulatory communications. And you already know, we’re not simply somebody that merely distributes content material, however actually what we’re is we, we’ve change into an enormous knowledge firm the place info flows into our techniques, and we work to take that info and ship customized, related experiences to people, which facilitate actions and facilitate engagement on behalf of our purchasers.

Whitney McDonald 08:13:05
Thanks. And once more, thanks a lot for becoming a member of us now. You talked us by way of slightly little bit of your background. You may have the know-how aspect, and now you’re serving because the Chief Digital Officer. Perhaps you possibly can inform us slightly bit extra about that function, what your daily seems to be like, a few of your obligations because the Chief Digital Officer?

Speaker 1 08:13:23
Certain. Yeah. So Chief Digital Officer is type of this bizarre title, as a result of it concludes a number of various things and imply various things, relying upon what group you’re employed for. So you already know, in my function, it actually is 2 items. The primary half is, if you concentrate on the phrase digital, it’s digital transformation. And in right here’s my view of what the phrase digital means, proper? Digital and digital transformation is, how will we take know-how and knowledge, wrap that round a newly reimagined expertise from the angle of the person, we’re attempting to unravel want for and ship one thing new, proper? So it’s that know-how, content material, knowledge, expertise, to create one thing higher than what was there earlier than. In order that’s half. And I work with the totally different enterprise items, and I converse to our purchasers about how will we really take into consideration digital transformation? How will we leverage these new applied sciences to reimagine the best way we ship companies and the best way that that we ship the companies that we have now right now. The second half is round innovation. And you already know, I’m liable for type of our innovation capabilities. We now have an innovation lab. And once I use the phrase innovation once more, I give it some thought in two methods. There’s what I check with as sustainable innovation, which is the work that product groups do, the place it’s round, creating roadmaps and considering directionally, the place will we wish to take these merchandise, and possibly, how will we combine AI into a specific answer? After which there’s disruptive innovation, proper? And so my innovation lab particularly focuses on the disruptive innovation aspect. How will we take into consideration these rising applied sciences, AI, Blockchain? All several types of transformational issues for our trade. And the way do they create new alternatives? How do they probably create new companies? And the way do we predict they probably might disrupt our purchasers, in addition to Broadridge? And the way will we really remedy for that? And an enormous a part of innovation is not only doing what we predict is correct, nevertheless it’s additionally working very carefully with our purchasers and creating options collectively. So we are able to, you already know, reimagine monetary companies collectively.

Whitney McDonald 08:15:21
So talking of that strategy to innovation, in fact, you will have the inner staff that determines what to give attention to, but in addition what you have been simply mentioning the consumer, the consumer expertise, or the consumer suggestions. Additionally helps with that innovation. So that you guys do that annual Broadridge buyer expertise and communications shopper perception survey. I’d love if you happen to might inform me slightly bit in regards to the survey itself, and we are able to discuss by way of a number of the findings of the newest survey, and what you assume the highlights are. Certain,

Speaker 1 08:15:51
positive I hear. I feel the an important perspective of this communication survey and person expertise. Buyer Expertise is the phrase buyer. It’s the phrase person. It’s how will we really seize info from the customers that we serve, and probably, much more importantly, from the purchasers that they serve? To make use of that because the driving issue of how we develop options, proper? If you concentrate on expertise, expertise will not be one thing that the 2 of us sit in a room and say we’ve obtained an awesome concept. It ought to work precisely like this. We might have an concept, however to validate and make sure that that’s the proper concept, we have now to go converse to people who find themselves going to make use of it and the way they’re going to leverage it, and we have now to grasp what they’re about. So from my perspective, expertise is type of synonymous with design considering. How will we create options from the angle of these which can be really going to be utilizing these options and work backwards? As a result of once we do it the opposite manner, we could possibly be fortunate and be proper, however once we do it from the angle of the tip person, the probability of success is far larger as a result of we’re really fixing issues for the those who we’re attempting to unravel issues for. And a humorous factor occurs whenever you try this, whenever you remedy these issues, you find yourself fixing your personal issues. So what the survey offers is, it offers us insights into the best way persons are desirous about new applied sciences, desirous about expertise, desirous about directionally, that the best way that they need to be doing issues. And we’re in a position to bundle that to start to say, Okay, what different questions are obligatory? How does this influence the options we ship, and the way will we work with our purchasers to extra successfully ship what they’re attempting to do?

Whitney McDonald 08:17:23
So a number of the highlights that I type of picked out from the survey have been AI, implementation, personalization, so we’ll discuss by way of a few of these. However first, based mostly on the survey, possibly we are able to discuss AI. In fact, we are able to’t ignore AI, proper? However what? What banks are doing? What are banks doing? Properly, in terms of implementing AI, what are you guys seeing on that entrance?

Speaker 1 08:17:46
So I feel you already know, the very first thing that they’re doing is that they’re experimenting, and that’s really an important factor, proper? So what one of many issues we discover is that in terms of AI, a number of the efforts are internally centered. How do we offer efficiencies making it simpler to make use of our platforms allow monetary advisors to do their job higher, proper? And possibly some customer support capabilities the place we are able to make it simpler for purchasers to truly service and get self service, after which ultimately go to the proper of us. That’s an awesome place to start out, as a result of the chance stage with that kind of experimentation is managed. And you already know, so one of many challenges, and one of many issues that got here out of the survey is that, you already know, customers really feel that AI lacks a way of empathy, proper? Proper? That’s actually good suggestions, proper? One of many issues we additionally know is that if we take a look at the know-how each single day, AI will get higher. I used to be at a convention just lately and somebody spoke about that AI is as unhealthy because it’s ever going to be right now, proper? And you may principally repeat that each single day. And in order we take into consideration the long run, how will we leverage AI to extra successfully talk with our prospects and to facilitate empathy and perceive who they’re? Turns into more and more vital. So the opposite aspect of that is personalization, proper? You hit on personalization as a element of this. You realize personalization is basically vital, proper? Particularly, in terms of communication, we even have a stat that claims 45% of customers have stopped doing enterprise with firms who did a nasty job of customizing experiences to their particular wants. That’s it. That’s a staggering quantity, 45% so if you happen to take that quantity, after which you concentrate on AI and assume the place we could possibly be headed, proper? I used to be in a one other session simply the opposite day, and somebody was speaking about actual time experiences, proper? This type of damage my head slightly bit as I used to be beginning to assume by way of the ramifications of it. As a result of if we take into consideration the best way we personalize content material, and even the best way that we use AI right now is to offer us indicators associated to personas, nicely, what if we’d have to try this anymore? What if we might really use knowledge and knowledge feed that into an actual time expertise engine that creates an expertise particularly for you. That’s the place issues are headed. Now, are we there but? No, proper? There’s challenges that must be overcome. There’s challenges round hallucinations that exist inside AI and the way will we really tune the llms correctly? That stuff is all coming. I feel. The opposite facet of this, and this was one other discovering, is round knowledge, safety and privateness, proper? How do you you already know, one of many actually attention-grabbing issues about AI is all of the stuff that we are able to do. One of many questions we have now to ask ourselves is, how a lot stuff we really ought to do, proper? So safety and privateness change into actually vital as a result of we’re in a position to achieve insights at a stage that we haven’t been in a position to. To earlier than, as a result of the know-how can really establish these after which it turns into a query is, when will we get to that ickiness, proper? Like we have now to be actually cautious, particularly in communications, that we don’t scare folks away, and that’s the place empathy begins to come back in. So I feel the mixture of this stuff begin to work collectively, and the tip result’s a lot better experiences. And if you happen to ask me the place I feel it’s going to move, I feel we’re going to ultimately get to a spot the place we’re in a position to talk with people as people. Yeah,

Whitney McDonald 08:20:59
and also you’re beginning to see, I it actually resonates what you stated about AI is as unhealthy because it’s going to be right now, it’s so true that it’s always altering and and adapting and getting higher at what it’s alleged to be doing. I type of needed to return to one of many factors that you simply made about personalization, and it’s a type of elements of leveraging AI that will get you to a spot the place you might be having these personalized experiences. You talked about a statistic that you simply’re you’re you’re seeing customers go away firms or stopping being a consumer or patron of sure companies that don’t have that personalized expertise. Perhaps we are able to break down slightly bit what function knowledge actually performs in that, and possibly a step additional, not simply how vital it’s, however how do you just be sure you are tapping your knowledge as a monetary establishment? How do you will have significant knowledge which you can actually use to your profit,

Speaker 1 08:21:56
positive, and I really assume what’s attention-grabbing about this, the query you simply requested is, let’s additionally tie AI into that, as a result of I feel there’s a task it will possibly play. So you already know, if we take into consideration the varieties of communications organizations ship to their prospects, I have a tendency to consider it in a number of totally different buckets. There’s Advertising Communications, which are usually the mess one of the best communications that individuals ship. They’re very, very expertise pushed. They’re actually centered on facilitating conversions, proper? It’s about producing new enterprise. So not surprisingly, there’s an enormous period of time spent on them. The Different Facet, although, is when somebody turns into a buyer, all proper? So let’s take into consideration monetary companies. I change into a buyer of a brokerage agency or an insurance coverage agency or a financial institution, proper? There’s communications that must be despatched to me. A few of them are regulatory communications. A few of them are account communications, like month-to-month assertion, could possibly be commerce con companies or different several types of letters and notices that I get from the establishment I’ve a relationship with, by and enormous, these communications haven’t any empathy. They’re not customized in any way. They’re the identical factor that everyone will get. And there’s such a misplaced alternative right here, proper? So one of many attention-grabbing issues we’ll return to the survey for a second Gen Z and millennials. 45% of individuals we stated, will cease a relationship due to the shortage of personalization. As you get some youthful generations, it goes as much as 55% so why is that vital? What can we do about it? You talked about knowledge. Information is the primary driver right here. If we give it some thought, we all know rather a lot in regards to the folks we’re attempting to speak it with, however what’s occurred? And I don’t wish to use the phrase lazy, as a result of that’s not what it’s. It’s that we view a number of communications as checkboxes. We have to ship out this content material, we have to ship out a invoice, we have to ship out an announcement, we often must ship out a regulatory disclosure doc, however we don’t take into consideration the influence on the connection once we ship these issues. What if as a substitute we considered personalization and the alternatives to say each time that we talk, it’s a contact level with our consumer, a real contact level. This can be a assembly. This is a chance sit in a room reinforce the worth proposition that we carry and clarify info in a contextually related manner that the shopper perceive what it means. Proper? That might be an enormous step in the proper path. So type of, what are a number of the areas we are able to take a look at once we wish to try this. So one of many extra attention-grabbing issues is, over the past two or three months, an awesome place to look is LinkedIn, proper? So LinkedIn up to date their whole platform to combine AI, so each single publish has prompts built-in, the place you may get details about what was simply stated in that specific publish. That’s a very highly effective factor. So if you concentrate on that in monetary companies, let’s go to brokerage, for instance, as a substitute of merely sending an announcement that stated, Whitney, you’re up 3% for the month. Listed here are your holdings, and right here’s the return. The fact is meaning nothing to you. What can be way more efficient if it had stated, Whitney, you’re up 3% for the month. Right here’s the way you examine to different those who appear like you. Listed here are a number of the drivers of that efficiency. Right here is, let’s have a dialog, as a result of I feel we might change a couple of issues to truly drive higher efficiency. That turned an enticing communication and there’s so many alternatives to try this throughout this content material, regulatory supplies. I you already know, persons are not leaping up and down when a regulatory doc involves them, however the actuality is, these regulatory paperwork probably have actually vital info, nevertheless it will get misplaced as a result of there’s a lot of it. So how will we pull out info and say, hey, the RE. And also you’re getting it is because you really personal this inventory, proper? That is what it means to you. That is what you’re being requested to do, and because of this it’s vital. We have to present that context, that empathy in all varieties of communications. That’s type of like bucket primary, pocket quantity two round personalization is recognizing that, particularly in monetary companies, folks have a number of relationships. I could have a wealth account, I could have a checking account, I could have an insurance coverage account, they usually might all be with the identical group. After we get totally different items of knowledge from all of these elements, we’re inundated, proper? It really turns into noise. And so one of many fascinating issues that we have now discovered is that in lots of circumstances, folks want the bodily expertise versus the digital expertise, as a result of within the bodily expertise I do know what’s vital and what’s not in a couple of seconds, however within the digital expertise, I obtain cryptic emails that don’t embrace empathy, don’t embrace info, and so I don’t know what’s vital, so I ignore them. And that’s an issue for everybody, proper? It doesn’t imply we shouldn’t be sending this stuff. We must always, however we must always make it a part of the story, and that story ought to actually be centered on the wants of that specific individual. And right here’s the humorous factor, persons are scared to do that due to laws. In the event you really take a look at laws, you perceive them, you’ll begin to notice that each one these items can work collectively, proper? We may be regulatory compliant whereas facilitating empathy and offering a narrative. And truly, we are able to do it rather a lot higher digitally than we are able to bodily. And so it provides the chance to drive that digital transformation and that digital adoption.

Whitney McDonald 08:27:04
No, it’s such a good way to attach these dots and to supply the instance of LinkedIn, and it takes away just like the futuristic what can ai do? You’re already seeing a number of AI software, and that is LinkedIn. Isn’t essentially monetary companies, however it’s a optimistic expertise which you can achieve slightly bit extra data about who’s interacting with the publish. Okay? So can a monetary establishment achieve slightly bit extra data about how their purchasers are interacting, or, such as you talked about, you get various things in your inbox or a textual content, and also you’re like, I don’t know. I already know that, or that doesn’t imply something to me. So seeing AI applied in that manner and saying, Really, we might apply this to monetary companies and have way more significant such as you stated, it’s a missed alternative. You’re already making contact with a consumer, however you didn’t get something out of it. They didn’t get something out of it. So I really like that instance, and it type of takes away the what ifs round AI, since you’re seeing it in motion in several realms and totally different industries, and it’s working. It

Speaker 1 08:28:11
can also begin, you already know, with simply context, proper? Such as you don’t. We don’t must go all the best way to type of creating this uber customized expertise, fully developed by AI. We are able to really begin with small items, and it could possibly be so simple as this doesn’t even consider AI, take into consideration a commerce affirm, proper? You probably have a monetary advisor periodically all year long, they’re going to make trades in your behalf, and you could obtain, you already know, tomorrow within the mail or by way of electronic mail, 5 commerce confirms, and it says, You obtain this, you bought this, you bought this, you purchased this, proper? That’s all it says. And also you’re type of left asking the query, Why? Why did this occur like and there’s no context. Take into consideration the facility if it merely stated, You realize what your portfolio was out of stability towards your targets. I needed to make some modifications, so we modified the place, and also you now rebalanced towards these positions. You probably have any questions, give me a name, proper? That’s not even AI. That’s simply offering an outline of truly what occurs, and you concentrate on that monetary companies circumstances. My favourite instance is the reason of advantages for healthcare, proper? I do know it’s not finance, however everybody will get this. You get these EOBs within the mail and it says, This isn’t a invoice. You owe $200 and also you’re like, What do I do with this? Like, is that this? Do I really owe somebody cash or not? It’s as a result of context is lacking, proper? And that’s the place personalization turns into so vital. I feel if it you already know, we are able to personalize the expertise and what it seems to be like. Personalizing the content material by offering context is so vital for folks to grasp what it means to me, as a result of if not, it’s only a generic piece of knowledge that basically has no sturdy profit to me. Yeah.

Whitney McDonald 08:29:53
Now we talked greater image. We talked slightly bit in regards to the survey. You gave some knowledge there. We talked AI and personalization, however extra particularly, I’d like to listen to slightly bit extra about what Broadridge purchasers are actually asking of your staff, and type of how that innovation suits in what you’re engaged on right now to essentially match a few of these speeds. Yeah.

Speaker 1 08:30:14
So I might say the 4 major areas that we’re desirous about in terms of innovation, the primary is expertise, proper? So, and it’s not simply communications expertise, it’s expertise of all the pieces that we do. How will we make it possible for we’re centered on empathy in all the pieces that we construct in order that. That our communications are more practical, that we distribute on behalf of our purchasers, that the interfaces that we offer consider the people who find themselves going to make use of them, so it makes their jobs simpler, proper? Simply for example, I used to be just lately, and I’m not going to say which financial institution it was, nevertheless it was just lately at my ATM machine, they usually rolled out a whole new expertise. And what used to take possibly 4 clicks on the display on the ATM machine. Now, it takes about 15 and I used to be like, What on the planet did they do? And I used to be, I used to be I used to be visibly pissed off on the machine. I used to be like, they didn’t do sturdy usability testing right here. I’m undecided what they have been considering. It seems to be fairly, however doesn’t make my life simpler. In order that turns into actually vital. So expertise is basically vital. Ai, I don’t assume you may be a corporation right now if you happen to’re not being attentive to what’s occurring with AI, proper? And in order that comes actually from from two views, proper? We now have groups which can be centered on, how will we take into consideration integrating AI into the options that we already present to make it simpler for folks to make use of these instruments to establish efficiencies and allow these efficiencies to occur. What my staff actually is targeted on, although, is, how will we leverage AI to facilitate extra interactive communications, make it simpler for folks to get solutions to their questions, to supply copilots that enable us to type of dig deeper into info and the place it’s going and the place I actually get enthusiastic about AI is the long run. How can machine studying plus AI make it simpler for folks to make choices, proper? So if machine studying is getting used to establish anomalies that exist within the knowledge that mechanically turns into exhausted as we’re working by way of and offering processes for purchasers, can AI really be educated to truly make choices, after which when the choice is a precedence sufficient, it goes as much as a person to assist them to do their jobs. That’s type of, you already know, one of many issues that I take a look at the third bucket, and this actually isn’t communications associated, although, I feel sooner or later it is going to be, is round tokenization, proper? So we’re spending a number of time desirous about not simply tokenization on the planet of crypto, and we’re doing a number of work in that area, but in addition, what does tokenization of actual world belongings imply, and the way is that going to have an effect on and what kind of recent services and products are going to be made out there? Proper? We’re seeing a number of this the place banks are experimenting with token ace and asset managers are focusing tokenization. And I feel the place that ultimately involves is the impact that blockchain and DLT particularly, tokenization goes to have on conventional finance? Proper? Are we going to see an eventual transfer the place funds and equities are tokenized belongings that commerce in an actual time method, and simplify the again workplace processing and efficiencies to a stage that we most likely by no means thought was even remotely doable. So these are type of like three of the large areas. The fourth, which is type of extra of a an space that I’ve been desirous about for a very long time, and it speaks particularly to personalization and communications and all the pieces that we attempt to do is identification. So you already know, one of many the large issues that our trade has needed to remedy for because it’s change into a digital trade is identification. How will we do and what will we do with details about our prospects? How will we shield it? How will we use it? How will we make it possible for it’s not a part of a cyber assault or susceptible, proper? And the chance related to that, and the know-how related price organizations billions of {dollars} a yr, proper? So just lately, there’s been some main modifications. The the CFPB in November issued a brand new algorithm, which is type of GDPR plus for the monetary companies trade. The White Home in February issued an government order. We’re seeing the identical factor in healthcare. And primarily, what it’s saying is that shopper info is owned by the patron, proper? Let’s not query the place we would retailer info. It’s owned by the patron. And so what we’ve been experimenting with is we experiment with AI and we experiment with tokenization and internet three applied sciences are there alternatives to offer customers management over that info and make it simpler for them to interact frictionless with the organizations they work with? Proper? Can I’ve a digital pockets that’s my that’s me, it’s my title, it’s my handle, it’s my social safety quantity, it’s the opposite items of details about me, and may I exploit that to facilitate connections with varied service suppliers? As a result of whenever you try this, it eliminates friction, it really will increase safety and does different issues as nicely. However the largest worth proposition to organizations goes to be the elimination of friction within the digital world, as a result of friction proper now, proper we type of hit on it earlier than 45% of customers determine to cease doing enterprise with a corporation when there’s not a customized expertise. What I can let you know, and it’s not captured in these numbers, however what I do know is that when friction occurs, I get an electronic mail and I’ve to click on on one thing and I’ve to recollect username and password I don’t know, or I level my telephone at a QR code and it asks me to do one thing, and I don’t know the right way to get in. I. That’s kills convergence, proper? And so identification is such a central portion of that’s, can we simplify that and we are able to break the boundaries to make it simpler to stream between the 2?

Whitney McDonald 08:35:46
Properly, even your ATM instance, it’s slightly bit totally different, however you’re like, why is that this so difficult? I’ve executed this when it was simpler, so yeah, the in and the frustration that comes with that, or, such as you stated, you’re identical to, overlook it. I don’t wish to do that. I don’t wish to undergo

Speaker 1 08:36:01
this simply, simply the opposite day, we had a problem the place we’re attempting to ship cash by way of Zelle, and it obtained locked up for some motive, and we needed to get on the telephone at 1130 at evening to talk to, like, like, that is loopy to love, ask me questions. You’re like, Is that this even the financial institution I’m speaking to? I’m involved I’m talking to somebody that’s attempting to somebody that’s attempting to steal my info. And also you’re like, That is loopy, proper? So, like, there’s, I feel it goes again to this concept of if we lead with expertise and we give attention to empathy, and what I imply by that’s, how will we put ourselves within the sneakers of the folks we try to speak with, service, facilitate actions with and make it simpler for them to try this in a manner that’s safe, that they don’t. They don’t essentially see the safety, nevertheless it’s there. That’s that’s January legislation. That’s what we’re all attempting to do. Yeah, yeah,

Whitney McDonald 08:36:45
completely. And all of these buckets that you simply talked about are tremendous vital proper now, the AI tokenization, after which, in fact, the safety as nicely, which type of all goes into this entire concept of investing in digital and frictionless experiences that buyers it’s very clear that that’s that’s what they need, that’s what they want. And so assembly up with that buyer demand by way of all of these buckets is basically vital.

Speaker 1 08:37:13
What’s actually attention-grabbing although, simply I didn’t know one level there that you simply simply stated. The excellent news is there’s loads of locations the place we are able to steal concepts from it. I don’t imply that negatively, proper? The retail trade, the non monetary companies trade, is basically good at these items, such as you wish to see nice buyer experiences. Go, take a look at what Apple does. Go, take a look at what Amazon does. Go, take a look at what Google does, proper? Go, take a look at what retail shopper websites do. It’s fairly superb. And you might say, we’re not competing towards the opposite financial institution, we’re not competing towards the opposite dealer. I’m competing towards Amazon. I’m conceding towards Apple. How do I really ship experiences which can be at that stage? As a result of if you happen to do, that’s the way you get folks excited, and that’s they discuss it like. You need folks to change into web promoters. Be certain that the best way that you simply talk and the best way that you simply ship experiences will not be seen towards the previous financial institution that they used to work with or the previous wealth administration agency they used to work with, have them view that towards. Wow, this seems to be like one thing that Apple would ship, proper? That provides you bonus factors.

Whitney McDonald 08:38:13
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