vitaly zvarych, a financial expert, joins the conversation. good afternoon, well , especially during the war, this industry is quite important for ukrainians, who, well, let's say, should be mobile and, especially in the front-line territories, to what extent it has become such a sector, not only bank or non-bank financial workers institutions, to what extent is this an industry that is really relevant to every ukrainian? well, let's take a look at what is really happening today, we can really state a decrease in the number of bank branches. as well as in certain territories banking services, standard, the ability to visit the branch, it is still to some extent limited for a certain number of people, and the way out or solution to this problem today really became these mobile applications, applications that everyone has the opportunity to use or open accordingly website of the bank on the internet and make certain payments, in fact today there is no need to go to the bank in order to pay the utility bill. ah, make a pepper and so on. in the story, it was mentioned that, ah, our citiz