Ron, how big a threat do you, do you think this is from where you're standing?

I'm totally on board with Udi, and I think he made a really good point I wanna highlight.

Talked about the engagement aspect of it, which I think is really the important piece.

Th-th-engagement is what drives the relationship.

When you've got a lot of positive engagement with a provider, then you're satisfied with them, and you feel a connection to them.

But here's the, the, the f-- and I, and I haven't really thought this one through, see if you guys buy into this or not.

At least from a US perspective, because of the regulatory environment here, I can't help but wonder if it's the fintechs who are more challenged than the banks because what, what ultimately...

What, you, from what you're seeing, like what are the banks that are s- best placed to survive this, this massive shift? What are they doing that's gonna set them up to survive this disruption?

Right.

Um, and to a certain extent, they've also outsourced p- product design to those vendors.

Yes, they argue and fight for feature and functionality capabilities, but to a large extent, they have outsourced product design to, to the vendor community.

What's really different about today is that the building opportunity is coming back, thanks to AI-driven capabilities, and the more immediate impact is, and I've, I've said this so many times to, to, to banks and credit unions, you may not have to build it, but you're probably gonna have to integrate it.

That instead of being a, where the core capability of an IT department was vendor management, the new core capability for a time period is integration.

How good are you at...

You know, they even outsourced the APIs to, to the vendors, but now they're recognizing, well, quality is different.

And I think, you know, we've, we settled with our normal product set and haven't really looked at all the opportunities that are within those to really build opportunities that are out there to retain the consumers that are in play every single day.

Bing.

So anyway, we deserved the Bing on that one.

So I am going to go over time.

One last comment on the personalization.

You know, Jim, to prep for this, I put together a whole bunch of notes.

I got my cheat sheet here in front of me.

And I loaded up my notes into Claude and said, hey, create cue cards for me.

of the United States of America.