Name: Scott Mullins | AWS
Uploaded: 2024-06-11T16:00:00.000Z
Duration: 26 min 11 s

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Scott Mullins

Managing Director, Financial Services

AWS

Three insights you might have missed from theCUBE’s coverage of the AWS Financial Services Symposium

Cloud spending in the financial services industry has been on a growth curve, and Amazon Web Services Inc. has gained momentum in this sector. For financial services companies, broader cloud adoption has led to a heightened focus on data and new ways to organize and manage vast amounts of information to create intelligent solutions using AI.How the financial world is leveraging data to transform operations and increase customer value was a central focus of theCUBE’s coverage of the AWS Financial Services Symposium. TheCUBE, SiliconANGLE Media’s livestreaming studio, provided insights through interviews with company executives, customers and partners. (* Disclosure below

AWS transforms financial services with cutting-edge generative AI and cloud solutions

The recent AWS Financial Services Symposium was a chance to dive deep into the evolution of generative AI in financial services. In that industry, there’s been a multi-year transformation to the cloud.But there’s a big mistake that companies can make when thinking about modernizing their technology choices, according to Scott Mullins (pictured), general manager of financial services at Amazon Web Services Inc. It involves thinking of the cloud as a place, or a destination.Scott Mullins of AWS talks to theCUBE during the AWS Financial Services Symposium.“It’s binary: We’re either in the cloud or we’re not in the cloud

play_circle_outline AWS Financial Services Symposium

play_circle_outline Rethinking intelligence and accessing knowledge and skills

play_circle_outline Exploring the Growing Adoption of Gen AI and Its Impact on Productivity-based Use Cases in Finance

play_circle_outline Using technology to solve business problems

play_circle_outline High expectations and partnerships with companies like Visa and NASDAQ

Info

Scott Mullins | AWS

Scott Mullins

Managing Director, Financial Services AWS

>> The AWS Financial Services Symposium, presented by theCUBE.

>> Good evening AWS fans and welcome back to wonderful New York City. We're here at AWS Financial Services Symposium. My name's Savannah Peterson here on theCUBE, joined by the fabulous John Furrier. John, we've had a really cool day.

>> Great content. I mean, this is a very intimate, targeted event. All the biggest banks and financial services folks are the year, all the players, you've got the banks, the insurance, all the industry leaders, the tech athletes. And it really is about the future. It's a glimpse into the future of what AI is going to bring. And this next guest runs the whole show.

>> Yes, indeed. .

>> I'm excited by his conversation.

>> Scott, CUBE veteran, this is actually your day. We appreciate you letting us be a part of your big day.

Scott Mullins

>> Well, we appreciate you being a part of this day. Thanks for being here, folks.

>> Yeah. How's it been for you?

Scott Mullins

>> This is one of my favorite days of the year.

>> I can imagine.

Scott Mullins

>> And really, for one specific reason, it's customers. And we talked about this a little bit, and John, you and I have had this conversation over the years. Listen, there's no better thing than a customer story. And so, people don't come here to hear from AWS. Yep, we're here, we're a supporting cast, but we're here to hear from customers. We're here to hear how customers are using AWS services to address opportunities and challenges and to convey that knowledge, to convey that experience in a way that hopefully means something to somebody else, as they consider reproducing challenges as well. And so, today is chock-full of that. It's always one of the most amazing days we do.

>> We've had a lot of your customers on the desk today too, and I can tell you everyone's pretty happy.

Scott Mullins

>> On the desk or behind the desk?

>> Well, it depends on what you consider our hands right now. Are they on the desk or are they behind the desk?

Scott Mullins

>> Well, they're above the desk.

>> Yeah, that's a good one.

>> There you go. Keeping us on our toes. Speaking of customers, you mentioned quite a few in your keynote. Can you give us some examples?

Scott Mullins

>> Oh, man. Well, let's just start with the three that joined me on stage, right? So, you start the session hearing from Bloomberg, talking about what they built with BloombergGPT. They built that with Amazon SageMaker. They did that last year. Obviously, they have now had a full year of being able to look at that, look at the results for themselves. It's not something they're externalizing, and I think Phil was very clear about that. They're building it for their own edification and for their own teaching and looking at themselves, and looking what they can build and maybe externalize. So, that was an amazing story to actually have him start with a great picture of Mike in front of the very first terminal and to talk about the evolution of Bloomberg and how they've leveraged technology all throughout the history of the company. As a former trader, as you probably heard me say in the keynote, it always kind of hits me in the feels when I see, oh, an old Bloomberg terminal because I used those things. And then, look, you go from there and you go right into S&P Global and you have Bhavesh talking about the fact that not only was he the CEO of Kensho Technologies, which was acquired by S&P, he's now the chief gen AI officer for S&P. And just to hear how he thinks about analytics and the application of analytics to solving problems, not just for S&P, but also for customers, being able to offer that as value add to customers, I thought was a really great example of how to actually take this and solve problems and look at challenges as well.

>> Yeah, the thing that jumps out at us on the interviews and watching all the content and then the customers is that this real practical example's emerging. And the customer experience is always talked about, of course that's important, data's going to drive that. But it's the outcomes on the business decisions. S&P, they help their customers make better decisions. So, decision-making is kind of a broad term. It could mean anything. It could be users making a decision on a banking app that's better for them. So, you're starting to see experience translate into value for the end user, your customer's customer. This seems to be starting to see the fruit emerging. Good sign? Faster than we thought? How would you scope the progress of where we're at right now, as expected or oh, pleasantly surprised?

Scott Mullins

>> Great sign. Anytime we're improving the lives of end consumers, and by the way, we're all end consumers, it's a wonderful thing. That's what Amazon's all about. It's being Earth's most customer-centric organization. That's not just amazon.com, that's AWS as well. So, anytime we can actually use our services and our technology to actually make end consumers' lives better with the help of large financial institutions or even FinTech companies or anybody in between, it's an awesome thing.

>> I love when you come on theCUBE because you always are customer-obsessed with the examples. But one thing that's clear in your area is banking and money are involved, and the digital transformation to the cloud has been going on. I won't say you're that the fastest moving because there's a lot involved. There's security, there's money. So, it's a multi-year process to the cloud and it's still going on. But now, that generative AI is in play, how has that changed some of the power dynamics in your world with your customers? Because they're still going to the cloud and the numbers are still lower than... Less than 20% on the cloud fully. They've been going to the cloud. But what's the gen-AI impact? Is it accelerating it? Is it slowing things down? What's the impact of now the mandate that these experiences is going to be coming on board with cloud migration?

Scott Mullins

>> We've talked about this in the past. I think the first mistake anybody can make when they're thinking about modernizing their technology choices is to think of the cloud as a place, as a destination. We're going to the cloud and it's binary. We're either in the cloud or we're not in the cloud. That is probably the most tried and true way to actually fail at your transformation because the cloud is not an end. It's a means to the ends that you want to accomplish for your business. "Hey, I want to open up new revenue streams and I want to be able to build new businesses as quickly as possible and get them into the market and then benefit my customers and benefit myself," or, "I really want to lower my cost. I want to improve my efficiency. I want to increase my resiliency." That's what cloud does, it's a set of capabilities that actually help you reach the end that you're looking for. And I think that that's a journey that continues over and over. It's a never-ending journey, honestly. And so, the digital transformation will continue until we've run out of ways to actually delight customers. Now, gen AI, to your point, John, that's just another set of capabilities on top of what we've got and what it's actually enabling people to do is actually offload more of the heavy lifting. So, think about all the things that we've done previously where it's like you don't have to own your own compute, you don't have to own your own storage, you don't have to set up your own networking. Those are the basic building blocks, the fundamentals. Now, it's well, do you even need coding languages? Do you need developers to have a mastery of COBOL, which is an ancient language, and also no Python? Or do you need your developers to work with Q to say, "Hey, this is the application I need to build. Start building that for me Q and I'll check in with you in about three hours to see if I like the direction you're building in, and then maybe make some tweaks." That's where we're at today. So, the rise of generative AI and the applications here is going to be continued progress. We talked about the S-curve in the keynote and people thinking that we're probably in the middle of the S-curve. We're not even at the very beginning of the uptick.

>> Developer productivity and the appetite of developers to get some of this open source and AI capabilities is obviously there, but there's also data is at the center of all these conversations too, data as product now. It's not just data as an ingredient. All your customers, they're kind of full with data. They have a lot of data. And so data and software interacting becomes a big part of the conversation we're hearing today. What's your reaction to that?

Scott Mullins

>> Well, how long has it been since you used the term big data?

Scott Mullins

>> A long time.

Scott Mullins

>> Think about that time and how much we talked about big data at that time. And then, we talked about data and analytics and we talked about building data lakes and lake houses and all these things. All these things are important from an organizational construct, but they're only important to power analytics. We talked a lot about intelligence and we talked about the definition of intelligence, which is to really be able to actually acquire knowledge and skills. It's all about how do I have the capabilities to actually get to intelligence as fast as possible? And so, to do that, to actually leverage generative AI to get to intelligence, you've got to have your data organized in a way that makes it easier to do that.

Scott Mullins

>> Well, yeah, and I mean if it's not good going in, it sure isn't going to be good coming out. You mentioned intelligence. Theme of the show this week, rethink intelligence. What does that mean?

Scott Mullins

>> Well, it can mean a bunch of different things, and so that's kind of one of the clever ways that you frame a show, but I'll give you a couple of things that we thought about as we set the tone for today. Number one, you cannot go anywhere, you cannot turn on any channel, you cannot look at any media or even have any conversation with anybody without hearing the term generative AI. And I don't think that many people take the heartbeat that it would take to unpack what you're saying because it rolls off the tongue, gen AI, gen AI. But what is it? And what does it actually represent for human beings? So, we spent a lot of time in the keynote talking about and unpacking, "Well, it's all about intelligence." And what's happening now is that we now have an opportunity to rethink how we actually get to intelligence, how we get to the acquisition of knowledge and skills. And do we actually have to acquire them or can we just access them? And what generative AI is actually doing is actually letting us, as users, just access them. We don't have to go and learn it deeply and become masters of it. We can access it when we need it. We can actually give it back when we don't need it. And so, that was one of the riffs on rethink intelligence, but it was also an opportunity to think about all the tasks that we do as human beings today. How much of that stuff is just going to gone away? And we were talking off-air earlier about the iPhone. The advent of the iPhone and the App Store and all the different tasks that we used to have to know how to do, read a weather report, read a map, go and look at our portfolio in a pink sheet book. We don't do that anymore. We just click button and it's there for us. And so, that's why we had the theme here is to give us an opportunity to step back today and really think about what intelligence represents today and what it'll represent in the future.

Scott Mullins

>> Given that you have a really unique perspective, talking with some of the biggest and best companies on the face of the planet in what you do, and you just gave that iPhone example. What do you think is going to be dramatically redefined in this new era of technology development that we're in now?

Scott Mullins

>> How we work, period. And so, I'll point you to Q, right? We talked about both Q for business and Q for developers today in the keynote and throughout the symposium today. Just think about tasks. A lot of jobs, if we're honest, are just tasks. And then, there are jobs that have some task and then some critical thinking. We're going to be able to free up developers specifically to do more critical thinking. If you're not having to write test scripts, if you're not having to run tests against code, if you're not having to go and research, "Hey, what should I be doing? Am I using the right language? Am I actually going to get to the right outcome?" If you don't have to do any of that and you can just focus on the idea that you were working on and trying to execute and have an assistant in the background doing all that for you, that's going to free up so many more people that actually be application builders.

Scott Mullins

>> Well, and I love that you just brought that up because one of the stats that always jars me when we're all of our open source and cloud computing conferences that we cover is that developer time, only 27% of that is spent creating and doing creative work or coding, where actually building the rest of it is maintenance, everything you're talking about and fixing and patching. I mean, imagine what we would get if... I mean, not that anyone's ever had 100% productivity during a given day, but if we got even 50% more of that productivity back to them or creative time, who knows what people are going to make or create? I'm curious for you, are you seeing a lot of trends across how people are adopting? My impression, and actually, this is a better way to phrase this question, my impression after today is that the financial services sector is adopting gen AI and AI... Well, I mean, AI has been in the industry for a while, but adopting gen AI with quite an incredible velocity that is perhaps faster than some of the technology adoptions that we've seen historically. Would you agree with that?

Scott Mullins

>> I would agree with that, but I think it's because you can do it so easily based on the foundations that have been set with cloud, right? If you didn't have the cloud-

Scott Mullins

>> That's such an important point....

Scott Mullins

>> you wouldn't be able to have generative AI. And so, I think the trends that I'm seeing are probably what you're seeing as well. The early use cases are focused on productivity. Number one, how do I make my organization better? How do I equip my people, my knowledge workers, my developers with the ability to actually offload tasks and have access to information in a much easier fashion? That's going to save me money, hopefully, but also free up, as you said, cycles for more productive things and things that they can build new. In financial services, I'll give you an example, we talked to a banking customer. They said, "Hey, we've got 100 use cases that we're working on for generative AI." That's a lot. "100 use cases, 99 of them are productivity based." They had one where they were beginning to consider, "What if we allow generative AI to actually interact with a customer by itself without a human in the loop?" I think most organizations are thinking that way. They're looking first at, "If I can master this for myself, and then I can look to what's happening in the market, specifically from a regulatory policy perspective in relation to gen AI, because we're still very early and how regulators are going to view that and what they're going to ask us to do from the standpoint of being able to actually prove how a decision was made, how it was arrived at, the data points that were there, what models you used, why the inputs were the inputs that were, and why the outputs were." I think most people are inching towards that, if you will, but we're already seeing organizations looking at use cases beyond basic productivity for workers. But now, we're just thinking, I've got an asset management team. What if I could have that asset management team create the content for their customer conversations and not present it to the customer, but now, you have an asset or a wealth manager who's equipped? They don't have to go and do hours of research on John. They don't have to go and look at his past performance. It's at his fingertips right there to be able to have that conversation.

Scott Mullins

>> Hyper customization is going to be such a part of the future. Anyway, yeah, go ahead, John.

>> No, I was going to say, I mean the platform shift is here. I mean, to me, the big walk away from theCUBE of all the events we go to is this general agreement there's a platform shift. We've never seen this level in generations. Some argue the web was one, internet. It's okay, platform ship's happening. Developers are showing it with their appetite for the new apps, the user experience, check. But right now, all the action, if you peel back the hype at the infrastructure level, faster compute, faster XPUs. So, more horsepower's coming in to accelerate that paradigm. So, the question, well, first of all, do you believe that? And the second thing is that if more computing comes in, more resource, what happens next? What are you seeing with customers? Because you said cloud's a big part, which we agree. Cloud's getting faster, there's more performance. A lot of hardware stocks are up. We see the number, people are spending more. You guys doing a lot more CapEx at Amazon. So, as more compute comes in, more processors organize the systems, what happens next? What's going to emerge? Is it the data gets smarter? Is it the apps? What's your vision as more horsepower comes into the market?

Scott Mullins

>> Well, I think The thing that I am most certain of is as this continues to evolve and generative AI continues to change the way we work, that a lot of the stuff you just talked about, the compute layer, the storage layer, the networking layer, for end users, that's going to continue to be abstracted away. That was already being abstracted away by early investments in the cloud, but even more so now when you think about what's available with Q for Business where if I'm a business user and a knowledge worker, I have the ability to interact with my firm's data without having to go and ask for permission or get my credentials and say, "No." How many times have you ever clicked on a link to go to a dashboard in your organization and suddenly it pops up, "Access denied," and then you have to write, "No, no, no, I'm John and I kind of own the place and I need to have access to this," right? And you hit click and then somebody eventually will open your ticket. That doesn't have to happen anymore because now based on your permissioning within your organization, within your systems, Q will know what you can have access to or not. And so, if John has access to the HR database, John can look at the HR database. If he doesn't have access to the financials, John will never be able to access the financials. And so, I think you're going to see a continued abstraction away of what are the piece parts, what are the components and the primitives?

>> Great answer. And I think I'd just follow up and say, okay, if you believe that to be true, which is cool, the builders who are building that abstraction, because S&P was a great example here earlier, they essentially redid the tech stack for the app for their customer, which is very easy to use, solved some problems that they couldn't get before with elements of AWS. They got step function in there. They got Lambda, serverless based. So, they kind of assembled it on the fly. So, they used SageMaker. So, all that stuff was in play. They're building. So, the tech stacks are kind of getting morphed a little bit. What's your view there? Because those are the guys building right now.

Scott Mullins

>> Well, it's going to be interesting, right? So, AWS is purpose built for builders. You may have remembered our ads from a few years ago, "Where builders build," right? And we still believe that in our heart, we are a place for builders. And that's a durable thing about AWS. Now, the most interesting thing that is who the builders are is going to continue to morph and change because we used to say builders and we meant developers, and more and more what we're going to find is that that's not who builders are. It will be, to some degree, but this is going to open up a whole new slew of builders who actually interact with things. They're not going to need pieces, they just need a prompt. They don't even need a cursor prompt, they just need a voice prompt. Like, "I need to build an application that can look at all of the video content that theCUBE has ever created and be able to catalog that and then tell me back things that I'm looking for," just like what we were talking about, what we were doing.

>> So, you're saying the builders are going to be beyond developers? The aperture of who's building is going to be increased?

Scott Mullins

>> I think we're going to democratize building. I don't think that we're not ever going to have developers anymore, that's not what I'm saying, don't take it that way. We're still going to need a lot more work to do in the in knowledge of how those components go together, how those parameters work. But this is going to open up a whole new array of people that can actually build applications and make modifications to applications.

Scott Mullins

>> And do it in a way that's intuitive and natural to them versus having to learn-

Scott Mullins

>> Well, and that's a key point. And so, I have a colleague who's working on Q. And we were talking about, "Why do we even have coding languages? We won't need them for very much longer in the future." And the way this person described to is, "When you think about what a coding language is, it's really a translation layer. From the things that you want to happen, and then you are instructing the compiler to actually go build your code for you." And really, that's a squish, right? It's a squish in the middle that we don't really need for longterm because you don't need to be able to communicate that because it'll all just happen. You'll say what you want to happen, you'll get a result. If you like the result, you'll keep it. If you don't, you'll wipe it and you'll start anew.

>> For the folks that couldn't make it here to the event, again, great event, very targeted, very high octane, what was the main content that you think people here walked away with? How would you globalize and summarize the core themes in the sessions? Obviously, the keynote you gave. What's the content? How would you describe the elements here and how could they drill down and what's the prescription post-event?

Scott Mullins

>> I think the best prescription I could give post event is if you're looking for real ways in which you can use technology, and not just generative AI, but any technology to actually solve a business problem and how to do it, how to take those primitives and those components and actually put something together, like you were going out to your garage, you're going to your own AWS environment and you're putting things together and you're going to say, "Let's see if this works," this is for you, especially if you're a financial institution. And so, many organizations struggle with moving from what I know today, how I operate today, what worked yesterday is it going to work tomorrow for me? Maybe, maybe not. But you know what? I'm very familiar with it. If you're looking to make a change, if you've got conviction that you need to change your organization, but you just don't know how, this is the event for you because this is how.

>> One of the things that jumped out at me in the conversations as I kind of wandered around in between breaks is Bloomberg, you mentioned it was a big presentation, rethinking what they're doing. Visa, God, was a big hit. Visa's, I won't say tough customer in a bad way, but they're technical. They have a lot going on, and they're huge.

Scott Mullins

>> But Jim spent a lot of time in his presentation talking about the number of nines from the standpoint of the durability, resiliency that they have to offer to their customers end-to-end financial consumers. And so, you say tough customer, I say they got a high bar. They got a high bar. I say great customer because the best customers have the highest bars. And so, we're just very privileged to work with Visa in the way that we are. Jim kind of gave some previews about some things that might be coming up this summer where we might be helping them in a big way. We're very excited about how we're working with them.

>> Tough customer's like a New York slang. "He's a tough customer." It's a compliment actually.

Scott Mullins

>> Hey, I'm a former New Yorker. I get it. I know. Yeah.

>> You're never a former New Yorker. Once a New Yorker, always a New Yorker.

Scott Mullins

>> .

>> Yeah, but I mean the Visa represents to me the high bar, the stakes that are in play here, especially in financial services and other enterprises, there's a lot going on. That's their company and the foundations are being either reset or recasted for bringing in the next decade. And I think that to me is exciting.

Scott Mullins

>> Yeah, it's exciting for me too. Look, this is my industry. I've spent the entirety of my career in this industry. I've dedicated my career to it. This is the industry I love. So, I love the growing responsibility that we have to this industry based on the partnerships that we have. You mentioned Visa and the importance of the applications that they power for us as financial consumers. Equally so the relationship that we have with organizations like NASDAQ and the fact that we're powering now four of their exchanges in production every single day.

>> That's awesome.

Scott Mullins

>> That will only continue to grow with NASDAQ and with other critical providers of really key applications that power the global financial system. We don't take that lightly. We know the importance of the role that we play today in the industry, and that's only going to grow as more organizations continue to modernize the technologies that they use.

>> Scott, your passion and commitment to customers is very visible, obvious, and a part of your energy, and I love that. I've got two more questions for you. I want to ask you as an individual, so stepping outside of enterprise and thinking as a person, what do you hope this new technological revolution that we're amidst right now, the generative AI revolution, does for your family or your friends or your life?

Scott Mullins

>> I think I'd go back to just tasks. Think about your life, think about all the things you're responsible for, not just at work, but at home or you might be part of organizations. There's just a lot of things that we do. And when you sit down and you take inventory of all the things that you do, and a lot of people, sometimes you have to make a decision about, "Well, am I going to take that task or can I actually afford to outsource it to somebody? Can I hire some help to do it? Am I getting extra childcare? Am I getting somebody to mow my lawn?" Just think about all the ways in which we can actually help people take tasks off their plate to free up time for them. Time's the most precious resource that we have. I talked about that with my team all the time. You heard me say it in the keynote today. "Thank you for the investment of your time today. We want to make sure you get a return to that investment." That's not just because we're talking about financial services stuff, I really believe that. And so, to me, the most impactful thing that this can do is return time to people by taking away tasks. That's the killer app of AI, time.

>> Amen, baby. I love it. All right, closing question for you. Since you teased a little bit of this with the Visa and later on announcements perhaps coming, when we have you on the show, as we've done many times historically, but let's call it this time next year, what do you hope to be able to say that you can't yet say today?

Scott Mullins

>> Well, that's very challenging because if I can't say it today, I'm going to have a hard time talking about it. I'll give you a little preview. I think re:Invent 2024 is going to be a fantastic show. So, if I were anybody in financial services, and you truly have a deep interest in understanding the impact that not just generative AI, but modern technology is having on the industry and will continue to have over the next 18 to 24 months, do not miss re:Invent.

Scott Mullins

>> I love that. Great. Great plug for re:Invent. Scott, you've been an absolute pleasure to have on the show. Thank you for making the time. It's been a real high ROI for us sitting here, and I very much value that. John, thanks for being a part of this rad day. I feel so much smarter.

>> Oh, yeah. I love this market.

Scott Mullins

>> Yeah, I know. I know. I really, really, there have

>> A lot of money involved, banks.

Scott Mullins

>> Yeah, I know.

>> .

>> Yes, the insurance companies are here. A lot of conversations as I was expecting. And thank you to our fabulous production team back there who made sure that we did a really beautiful job and everyone on the Amazon AWS team who pulled together our curated list of fabulous guests. And most importantly, thank you for tuning in to these 15 fantastic segments that we've had here in New York City AWS Financial Services Symposium. That's a wrap, baby. My name's Savannah Peterson. You're watching theCUBE, the leading source for enterprise tech news.

Scott Mullins | AWS

>> The AWS Financial Services Symposium, presented by theCUBE.

>> Yes, indeed. .

>> I'm excited by his conversation.

>> Scott, CUBE veteran, this is actually your day. We appreciate you letting us be a part of your big day.

Scott Mullins

>> Well, we appreciate you being a part of this day. Thanks for being here, folks.

>> Yeah. How's it been for you?

Scott Mullins

>> This is one of my favorite days of the year.

>> I can imagine.

Scott Mullins

>> We've had a lot of your customers on the desk today too, and I can tell you everyone's pretty happy.

Scott Mullins

>> On the desk or behind the desk?

>> Well, it depends on what you consider our hands right now. Are they on the desk or are they behind the desk?

Scott Mullins

>> Well, they're above the desk.

>> Yeah, that's a good one.

>> There you go. Keeping us on our toes. Speaking of customers, you mentioned quite a few in your keynote. Can you give us some examples?

Scott Mullins

>> Well, how long has it been since you used the term big data?

Scott Mullins

>> A long time.

Scott Mullins

>> Well, yeah, and I mean if it's not good going in, it sure isn't going to be good coming out. You mentioned intelligence. Theme of the show this week, rethink intelligence. What does that mean?

Scott Mullins

>> I would agree with that, but I think it's because you can do it so easily based on the foundations that have been set with cloud, right? If you didn't have the cloud-

Scott Mullins

>> That's such an important point....

Scott Mullins

>> Hyper customization is going to be such a part of the future. Anyway, yeah, go ahead, John.

Scott Mullins

>> So, you're saying the builders are going to be beyond developers? The aperture of who's building is going to be increased?

Scott Mullins

>> And do it in a way that's intuitive and natural to them versus having to learn-

Scott Mullins

>> Tough customer's like a New York slang. "He's a tough customer." It's a compliment actually.

Scott Mullins

>> Hey, I'm a former New Yorker. I get it. I know. Yeah.

>> You're never a former New Yorker. Once a New Yorker, always a New Yorker.

Scott Mullins

>> .

Scott Mullins

>> That's awesome.

Scott Mullins

>> Oh, yeah. I love this market.

Scott Mullins

>> Yeah, I know. I know. I really, really, there have

>> A lot of money involved, banks.

Scott Mullins

>> Yeah, I know.

>> .