What makes this year particularly pivotal for the ACH network and the broader U.S. payments ecosystem?

I know everybody's been saying this for a long time, and we're always talking about the pace of change.

And back in 2000 and 2015, we thought that things were changing quickly.

And what we're seeing is that pace of change, it's accelerated.

It's always going to be accelerating.

And so this year, as we look at the future of payments, and we have same day ACH, in the ACH, we have instant payments, we're talking stablecoin, we're talking crypto, we're talking AI, there's so much happening.

What we're doing with the ACH, at least, is once again, looking at Same Day ACH, our membership has voted to increase the dollar limit to $10 million, which is great, especially as this is the 10-year anniversary of Same Day ACH.

What advice would you give to young professionals that are entering the payments industry today who really want to build these long, impactful careers like yours?

I mean, I know that they're not exactly identical, but you know, you've got, do you still think of them as two different use cases? You're not keeping up with the Joneses per se.

No, no.

I mean, we literally, as I was saying when I was talking to folks at AFP, anybody, corporate practitioners, the minute we move to a million, they said, that's not enough and we need more.

Because often what we see in same-day ACH is it's traditional ACH payments that move to same-day.

And so a lot of those payments are over a million dollars.

Then you have to break them up into separate $1 million payments.

Absolutely.

Right, like

And I know you're proud of the fact that you're being used more and more for B2B volumes as well.

Absolutely.

So, you know, we have been looking at B2B volume and trying to figure out how do you, you know, how do you move from check to ACH on the B2B side? We saw big growth on ACH through the pandemic, you know, because folks weren't, you know, they didn't want to run through the storage.

They didn't want to get, you know, dual control with signatures.

And we did see growth there and we're still seeing super strong growth at over 11% for B2B volume last year.

So it's, it's, It's heartening that we're seeing that.

And I think once entities start using the ACH, then they see other use cases to use it.

And to some extent I'm thinking because of the nature of their business, corporate payments, corporate banks are going to actually be originating on behalf of those customers.