First concrete thing you've said. Always a way to get into a market crowded with incumbents, esp if account reps have personal touch. Fix anything that annoys people and $$$'s result. Good luck to you on that part as you have a good chance of making it there.

"As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this."

Figures haha.