Today we're joined by Lex Sokolin, head of Autonomous Next, the disruptive technologies arm of research firm Autonomous. Topics of conversation today include Amazon vs Google vs Facebook for financial services disruption, the shortcomings of open banking and what the past few months in crypto tell us about what's next. In the conversation, we make reference to the newsletter Lex writes and to his recently published crypto report, both which you can find at next.autonomous.com. Let us know what you think of today's episode @rebankpodcast on Twitter or in the comments section on the website. Thank you very much for joining us today, please welcome, Lex Sokolin.