Hi. My name is Steven Hankson, an associate professor here at Copenhagen Business School in Copenhagen, Denmark. It's my great pleasure to welcome you to the Capstone Project. If you're watching this video, you probably made it through the other courses in this facilitation. You learned about the change in competitive dynamics of finance, the emergence of new FinTech and have developed an innovation strategy in FinTech innovation. Now, it's time to pull all learning together and put that into practice. In this Capstone Project, we will introduce you to a set of cases, we will ask you to apply what you've learned in the context of these cases. As before, our emphasis would be on the digitalization and how it's transforming the rules of competition in service industries, and how we can establish your firm to be on the winning side in this new world. That's been the theme throughout specialization, and it's the direction we believe you need to focus on the most relevant in the future. So, welcome back and let's get going.