How can credit unions start bringing that part of the relationship into the conversation earlier in a natural, more member-focused way?

That's a great question, and I get to talk to a lot of, uh, credit unions out there.

Sometimes on the lending side, it's more transactionally focused, where, especially if it's a member business loan, where they might say, "Hey, in order to do this loan, I need a deposit account," or you require, you know, a share account to get an auto loan or something, which is very, seems very transactional versus what I would call natural and where you could grow different kinds of deposit accounts with that member.

So it's really, once again, understanding that journey on, hey, when you're meeting with that customer, why, why do you want this loan? Understanding, you know, are they starting a new business? Are they planning for a wedding? What is really going on with that member? And trying to help them understand the other products and services that you can offer in a normal conversation.

And I know sometimes lenders don't know.

Sometimes it's split up where they might not be in charge of getting the actual deposits, but being able to partner, maybe bring someone else in that, uh, initial conversation to just say, "Hey, by the way, we do offer all these other products that you might be interested in based on where you are in your life cycle," on that front.

So as you look into the future, what is Abrigo's focus on the road ahead?

Yeah, we have a lot of interesting things going on in the AI space, as probably a lot of companies do.