The real prize is the merchant's whole financial relationship, and software is walking right into it.

Well, you know, I think we have passed an inflection point.

And it seems that at this point, most banks are actually moving into modernization of their tech stacks.

You know, they were in spin cycle in business case mode for what I would say years and years.

And the pressure has built so intensely.

So with this emergence of AI, it's creating even more pressure for these banks to modernize.

And at the same time, it's also making it more possible than ever.

Just the merchant experience overall, both from the merchant perspective and then from the providers, like our channel partners and us, delivering to them and making what they would like to accomplish be possible, it's still too difficult than it should be.