To get us going, could you introduce Bizoom to the audience? And then what was the Amazon Prime business problem that they were challenged with?

Bazoom is an account-to-account-based payment method used primarily in Spain, although it has been used occasionally in Portugal as well.

What it is, is an instant account movement of money that was created by a coalition of banks in Spain.

At the time, that kind of facilitation of account-to-account-based transfer, the closest parallel we had in the States was something called Zelle.

has already stated in its protocol it would not be used beyond just peer-to-peer transactions.

And so the concept, again, coming from a U.S.-centric company, of bringing on an instant payment method onto our e-commerce platform, let alone a subscription service with Prime, was novel.

It was at its frontier, and it had not been done before, especially in Spain with Bazoom.

When it comes to metrics and your experience of payments, can I ask what's a metric that can look healthy, but it can also hide a problem that actually should be investigated a little bit further that you've come across?