[Machine Translation] No more workers, no more branches, no more banks. The era of "zero banks" is fast approaching! Not only are traditional business models struggling due to a declining population and ultra-low interest rates. The cashless society, the development of FinTech, and the digitalization of business in general are bringing about radical changes in the banking industry. And the entry of GAFA and other digital platforms into the financial world is about to put the final nail in the coffin of Japan's banks. What will happen to banks? How can bankers survive?