My name is Conceição Matos. I'm working in Novobanco, which is a major bank in Portugal. And I'm heading the transformation office for the retail operation. We are now moving to omnichannel. We have a call center to serve the clients. And what we are doing with Talkdesk and artificial intelligence is we are building a hierarchy of moving a call whenever the branch is available to respond to that call. So basically we serve the clients in our branches. And this is a customer experience, completely different. The client doesn't belong to the branch. It belongs to the bank. One month after Talkdesk, the branches respond to 30% of the calls they have per day. We put in place a virtual agent as well. For instance, today, if a person calls a client, calls for an account balance, our virtual assistant solves it immediately. For some more complex products like mortgages or a specific problem, they want to talk with someone. The call is redirected with a branch, that has capacity, to respond to that call. We are using AI also to rebalance capacity. We have some branches, mainly in the urban zones that are very crowded. We have some other branches in the inland and they have spare time. With AI from Talkdesk, we are being able to redirect some calls. Talkdesk makes it easier, for customers because we are providing a better service than before. Overall, we are very satisfied globally with the implementation.