Payments Forum 2023: Demos

PwC - PricewaterhouseCoopers LLP | Paypa Plane | Deserve Inc. | 9spokes  

Transcript:

Erica Pelon (00:09):

All right. Good morning everyone. It is demo time. We are you ready for some power demos? Hi, my name is Erica Pelon. I have been in payments FinTech for over 20 years and I currently run payments technology at Capital One. Yesterday I was in the Fed Now session and something that Jesse from Customers Bank said really resonated with me and that is this is a payments conference. Every single person in here is a payments nerd. We all understand payments very intimately and our customers do not. And yet we build these payment experiences that expect our customers to know the difference between an ACH and a wire. And we all know that the really the Holy Grail is creating a payment user experience that is agnostic to that payment rail and that is really easier, not as easy as it sounds. Many of us are beholden to legacy vendor technology. We have to wait for our vendors to innovate and advance what we are looking for and those of us who are lucky enough to have our own tech staff in-house are often cobbling together antiquated payment processors due to multiple acquisitions. So I am really excited when I see vendors really advancing that unicorn of that payment experience agnostic to the rail. So I am happy to introduce Tanvi Patel from PWC and she is going to show you some of her really cool innovations.

Tanvi Patel (01:42):

Thank you Erica. And like Erica said, right, we have so many marking demands. We have so many things happening within our payment ecosystem and like limitations that our legacy platforms have is core. We all feel the pain through it. So that has led PWC to build our own industry cloud offering. Now, the whole intent of building this industry cloud for banking is to provide services and accelerators that can help you go to market faster. It can help you reduce your development cost with the point of keeping your customer experience in mind. This is all now. Every solution we see today is how are you going to bring this to your end user and how your end user can adapt and use using this. To give you an snippet of what this industry cloud is, we will go through two big modules today. One is the money movement and one is the cloud intelligence.

(02:32)

So money movement platform is the intelligent platform which is now going to recommend your end user on the recommended, the most cost efficient payment trail they can use and allow them to send it to one or more beneficiary that we have today. The whole intent of this module was how are we making the personalization, how are we allowing our end user to be giving that personal experience that they are expecting from our banks to do, whether It is consumer or commercial? And then the cloud intelligence platform is basically a very low code integration platform. If you say so. It is going to be built on your environment with your requirements and connecting all your legacy platforms and the core platforms and the upcoming platforms. All is to drive. How are you going to get the experience you want your customers to have with less time and cost as a bank? So let us get into the demo.

(03:29)

So if you see we are in our money movement transfer where we are going to have Richard who wants to send money to two people for example, right now all within one transaction, he can select multiple beneficiary with different payment amounts and actually save time because he wants to kind of send it to multiple people within one instant. So if you see what this platform is doing is as he is going, as pro Cs is, he adds the amount in the thing it is recommending. The cloud intelligence platform in real time is actually picking the type of method that is doing. So if we do thousand, it is going to give you an optionality of instant payment. It is going to give you ACH, a wires. Now if you change that to 10,000, keeping the real limits in mind and you can also have it as Richard might have its own limits at the bank level that will start giving you things. So now you see for instant payment went away. So let us just pick ACH for now. Pick another thing and we can go one.

(04:30)

As you see we can add multiple beneficiary. We are just going with two with the interest of time right now what we want to do is as he is doing it and we say review transfer, what is happening is he has the ability to look at, okay, these are my transactions I am sending to these beneficiaries. You can edit, he can edit at this point, he can remove all the transaction, tweak it and it works before he actually approves it. There is a functionality where you can toggle. You can have domestic and international payment all grouped in one section. The other cool part is he can also split the payment to the same beneficiary if he wants to send off the thousand if he wants to send 50 by RTP and if he wants to send the remaining by ACH, you can actually do that.

(05:14)

So once he is approved, what you are seeing is the minute the transaction got approved, what you see on the screen is, it is richly sent the payments to the payment processing engine through the cloud intelligence platform. And what it is going to do is in real time it is going to wait for the confirmation numbers to come and pop it back to Richard. So this is what you see is how it is going to come back to you. Now let us move on to the next part, which is a cloud intelligence platform dashboard. So if you see on the screen, this is basically all the operational and the tech ops team that geek out on data, this is what you are going to get. you are going to get all of your critical data on one snapshot. The intent of this giving to our and for our bank team is to kind of like you can actually monitor real time your end-to-end transaction.

(06:02)

You can actually go into events and actually see where your transaction is, where to stock what is happening all in one dashboard. So this is what it comes along with it and this is all covered by our cloud intelligence platform, which is orchestrating the whole experience that we just saw with Richard sending the payment. Now let us do something really cool. This cloud intelligence comes with the cloud intelligence journey designer, which is one of the things that I think was pretty cool that we built where you do not need to have vendors like Erica was saying, you do not need, you can actually change the experience by a drag and drop functionality and truly have an impact instantly for your customer's experience. So now what Pratham's going to do out here is we are going to say, for example, Richard calls and says, I want to get an email confirmation every time a transaction goes.

(06:52)

And as a bank I am like, okay, I also wanted the Siemens in my general ledger. In this case Oracle get updated. So what we are going to do is we literally are dragging and dropping this functionalities and we are going to save it. The minute it gets saved, we will rerun the transaction to show you in a minute. But the background behind this is the whole cloud intelligence platform comes with most of the preconfigured connectors. So we build this keeping in mind that we want to connect and all of our banks have multiple payment platforms and integrations, whether you are talking with your customer record or you are talking about your fraud platform. So we have kind of done that due diligence to come with pre connectors because implementation and integration is the biggest pain point that we all face and none of us want to deal with that in general.

(07:40)

So that is where we were like, okay, let us create this preconfigured platform which can plug into it to truly drive the experience you want to give to your clients, but then also save the time from the development and the cost and go to market perspective. So let us see, we saved it and now we are going to just pick a transaction so you can actually see within few minutes with the drag and drop functionality, you have actually changed your customer end users experience by now getting him an email confirmation and you get a popup by saying, Hey, he is gotten an email that he wanted instantly. There is no waiting. We are not waiting on the vendor or we are not waiting. You can richly change that design and experience and actually customize and personalize it for your end user. At the end of the day, this was basically where we think that this is the differentiators, right?

(08:33)

Again, these are accelerators and pre-built configuration solutions that we have built because it helps you at the end of the day to drive the impact and the result that you want to do. Now we at PVC are also banking geeks made of technologies, ex bankers and stuff. We have a very, very crisp vision on what we think the future of bank or the architecture should look like. We have rid built these pre-configured solutions to mirror our vision. We have solutions that talk about customer acquisition, treasury services, commercial lOS. We have things for core modernization. All of them are there. We are happy to do, I know we have restricted on time, so come find us and we will happy to walk you through and help you in your digital modernization journey. Thank you.

Simone Joyce (09:32):

Good morning everybody. My name is Simone Joyce. I am the CEO of Paper Plane and I am joined on stage with me this morning by Jonathan Grant who is our Chief Commercial Officer. Before I go into our demo, I want to set the scene for us. I want us to imagine that we are all business banks that really care about our business clients from micro-businesses all the way up to corporate or institutional businesses. And the reason that we want to care about that today is that paper plane helps those banks. Our clients create diversified revenue streams that move us beyond interest revenue and into product and services revenue utilizing existing payment infrastructure. So I am talking ACH, I am talking cards. We heard Zel mentioned before, if any of you are thinking about that for your business clients, but also start thinking about pathways to commercialize new real-time payment methods.

(10:24)

Could be RTP, it could be Fed. Now we do this using our proprietary smart payment agreements. Now, smart payment agreement is a tool that will enable your business clients to offer their payers a living digital connection between the business and the payer, allowing your business clients to collect and automate collection of payments and allowing you as the bank to feel comfortable with your businesses level of payment compliance and your change management for future fit payments. So we are going to demo a smart payment agreement today. Jonathan is controlling the traffic. Alrighty, we are opening up on our payments dashboard. Now a smart payment agreement is designed to work across all methods of payment. We have heard a lot of talk about all different payment type and choices and smart routing. We do all of that, but we allow your businesses to connect either via a white label dashboard that you can offer as your own or through APIs which might be more suitable for some of your corporate or institutional clients that already have an existing tech stack of their customers.

(11:33)

So everything that Jonathan's doing can be done manually or it can be done by a third party system via API. We are creating an agreement type. Now your customers might be insurance companies, they might be loan providers, they might be utility providers or rent providers. They might even be a micro business with a subscription to cupcakes. The payment type and agreement type really depends on how the business wants to collect payment. It could be a standing agreement to debit a particular payment method or it could be a fixed agreement based on installment payments. For example, we are creating a bespoke plan today that will, what are we doing, Jonathan? 11 payments and an introductory. So we are going to do a 12 month membership essentially and this will allow the client to provide an access to onboard for the payer and allow the payer some self selection options.

(12:25)

So Jonathan's creating the basic parameters of that agreement. You will see down the bottom of this screen there is a payment sentence. We work in a modular way and that helps us to turn to translate payment agreements into ISO 2022 messaging. It allows us to translate payments into the type of modular agreements that consider cross multiple payment methods. The system is quite complex. It will really respond to what the business needs to collect. So what we are doing now is creating another stage. You might have loan providers or you might internally provide loans, might have balloon payments, it might have a fixed upfront amount. We are going to drag that one up because we want the first month to be up on top. There we go. That looks pretty good. We can add more stages if we want to. We can preview the payments. We are going to have this agreement starting today, but you could also future set your business. Clients might want their payment to agree their customer to agree to a payment starting two weeks from now. That is totally okay. So let us go next terms and conditions. If your customer, your business banking customer has terms and conditions they would like to present to their payer at the same time as confirmation of payment capture, they can do that here.

(13:36)

Got some great agreement terms there, Jonathan. Thank you Aki. We will give that a title and this can be responsive to the type of payment agreement your customer wants to collect. Okey dokey. We get a little preview. We are going to switch that to a test agreement today because we are in test mode. Now while we are doing this, Jonathan's about to send this payment agreement. You as a bank get to have a lot of data about what your businesses are doing. We are setting up scheduled payments. We can do this for one-off payments as well, but this will allow you as a bank to think about really what does your businesses, does your business customers business look like? Are they creating new payment agreements every month? Are we seeing payment agreements extend over time? Are we seeing churn or are we seeing growth? This is extra information that sits over the top of your P and l and your existing cash flow.

(14:27)

It gives you more information about when your clients might need a particular cash flow flow loan and when those payments might need to be adjusted to respond to what their scheduled payments look like. So we have got an agreement timeline and invitation timeline sitting over the side. If we just click into that one for a minute, this particular payment agreement was sent to the customer's email. You could send it via sms. If you are the business, you could pick up what is a unique URL that is attached to this particular lead and send that to the customer via their own platform. They could send it via WhatsApp or Slack or however they do business. It is a unique URL that has been generated for this particular payer and this helps your business clients to start building how they interact. All right, let us go and be our client now.

(15:15)

So Jonathan's copied that unique URL. We are going to take off our business hat for a moment and put on our payer hat. Now. This is how a payer onboards to a smart payment agreement. So let us get started. We have seen a presentation of the type of payment that we are consenting to. We are going to do this a few times because it helps to prevent disputes in the future if we really understand what we are agreeing to. let us go. Okay, that is fine. That is my email or one of them. In our test environment, we always have a 1, 2, 3, 4, 5, 6 code in live environments. This is obviously a unique one-time passcode that is generated that is enter our pin. We are presented with a number of payment methods. Now before we hit visa, which we will pay with today, I just wanted to draw your attention to bank account at the top. If the bank account is a payment method that your business would like to offer and that you offer to your business client, this will allow the payer to enter their routing code at the next step.

(16:07)

That routing code will then think about, okay, what does the business have available to them? Has the bank offered Fed Now? Has the bank offered ACH same day? Has the bank offered RTP? What is the preference? Furthermore, what is available at the payer bank? It is no use offering Fed Now to your business customer if the payer bank only offers RTP as a send method. So we make that smart routing choice based on exactly what those two ends of the parameters look like and then we will route based on what the ultimate route is. We will also do a fast payment for the first payment and then default to ACH for subsequent payments in the future knowing we can not have persistent permission. let us go visa today please.

(16:52)

Okey dokey, we are going to enter our visa card number. It is a test number so do not worry, I am not exposing any financial data to you today. Okey dokey. So once we do this, what is happening on your customer? The businesses side is a corresponding events timeline. This is an events based, events driven architecture which makes it innately flexible, not just for our system but for third party connected systems that your business banking clients may have. We are going to agree to this. Again, we have got that payment method presented. Again, we will explicitly provide capture of confirmation here. This is really important for your compliance trail. Let us go. Okey dokey. We have got our setup complete. We get some happy confetti. If we pop back to the business to the banking side now and refresh the page, we will see that this is moved into an active agreement. On your tables, you will have a QR's code to scan to learn more about paper plane and we will be here for the next couple of days if you would like to come and talk to us. Thank you very much.

Shiv Bhatt (18:03):

Good morning. I am Shiv Bhatt Lead Product at Deserve.

Rajan (18:08):

I am Rajan chief technology officer at Deserve. Nice to meet you all.

Shiv Bhatt (18:12):

At Deserve, we have built a credit card platform for the mobile first consumer and for banks that want to leapfrog past antiquated processors and systems. Our fully integrated stack includes digital first card processing, but also full program management from origination to card account management to fraud compliance, all baked into a single configurable software as a service platform. And being digital first extends to being mobile first. For us, mobile is not just another channel or an app. We leverage mobile's native capabilities in identity authentication, real time interaction, geolocation and more in order to drive better outcomes in origination and activation, top of wallet fraud and more. We will see some of this with the consumer facing mobile capabilities that Rajan will walk us through now.

Rajan (19:10):

Thank you Chef. So I think you are able to see my phone. If you are a bank and you want to get your credit card to be top of wallet, we have the features and capabilities to get you there and I am going to show you a few of them. So what you are seeing is my credit card in the DIS platform and if you look at it, these are my transactions, everything is It is, It is not like reading from a statement, audio audible, Geico, Gap, everything with clean images and easy to understand if I have to open a transaction. Costco we do not like It is not a cryptic name, it is Costco Wholesale, the actual location from Google places there is a clean photo. In fact, we also show you the history of number of times you have been to this location. So I have been to this Costco four times and have spent $486.

(20:00)

That is the kind of clean data we show and if you go to a restaurant, It is even cooler. Not only we will show you what the location and everything is, we will also show you the tip amount which you paid. Now this whole merchant information, we have really added a lot of capabilities on top of it and we will show you a few more. Now we all use our cards online, but do we have no idea if somebody was to come and ask you, can you tell me the list of merchants who have your card online? Nobody will be able to do it. Now with us, we will precisely tell you, hey, these are my merchants who have my card online, Geico AT and T Gap, and if I have to go into any one of this merchant, Geico is my automobile insurance, this is how they charge me. And if I leave Geico, I can say Block and Geico will not be able to charge me anymore. Similarly, subscription management is a key part of everybody's life and we make it very easy and simple to manage your subscriptions right now these are my subscriptions. If you look at it, it also tells me clearly how much do they charge, when do they charge? So if I have to go into Spotify, Spotify charges me on the 21st of each month, 1599 at clockwork. And of course just like passing your card, I can just pass Spotify and there is a lot more cool features and then I am going to show you one more.

(21:31)

Now, authorized users, sharing your card with your family members is a key part of everybody's life. Now typically you call your issuer and they ship you a card with us with a mobile first approach, sharing a card and authorized user is a lot more simpler. So what I am going to do, I am going to do it live. I am going to add Shiv an authorized user, give him a card, the card will be issued real time, he will have his own separate pan and he will be able to make a transactions. So with this I am going to have Shiv as an additional user. So Shiv, What is your number?

Shiv Bhatt (22:16):

4 640524

Rajan (22:21):

And I can set a spending limit. So my card currently has a $10,000 limit and I am going to give him $1,000 to spend every month with this. Immediately the A link is sent to him. And hold on please. I actually have to share shifts for mobile screen. Also, I am going to show my phone and Shiv's phone next to each other. I want you to share your screen

Shiv Bhatt (23:27):

So getting an authorized user card is as easy as getting a text and is instant, which is what most consumers expect in today's world. What you see is I just got a text saying Rajan has added me to his Deserve card account and there is a link which takes me to an app clip where I can just simply authenticate myself, get an OTP and I am done. So I have a digital card now which has its own pan and right now there are no transactions on this. This is a live card in production that I just received. I am going to add it to my Apple wallet so that I can make a live transaction right away. And these are the usual steps to add it to a mobile wallet.

Rajan (24:50):

And if you've noticed Shiv didn't have to leave us app scan as card or anything. It immediately added to his wallet.

Shiv Bhatt (24:56):

Native push provisioning and I will now make a purchase at Target with this newly issued card 4479. That was the card that I just got and It is done. So if I come back to my app, you'll see that I just made a transaction at Target for 4 91 and this is what I see on my app.

Rajan (25:31):

And now if you see in my app, I as the owner of the account, you can still show your app. I have both my transactions, the Starbucks transaction is my transaction and he as an authorized user, he can only see the transaction which he is made, which is the target transaction. I see both the transactions, I can see that I have one authorized user which is Shiv. I can go inside and look at all the transaction, I can pause this card, I can change his limit or I can remove him as an authorized user. So all of that can be done much easily and easily manageable for you.

Shiv Bhatt (26:04):

And the same capabilities that we used, this flexible ledger that underlies, this is what we use for our SMB card where employee cards, virtual cards can be issued very easily with all sorts of controls. And on top of that for smb we also have a full origination and program management capability.

Rajan (26:22):

And to summarize deserve as an end-to-end credit card platform. We do both card processing and program management as a single stack. With our MobileFirst approach, you will have higher activation drive top of wallet behavior and significantly reduce transaction fraud. Reach out to us and we can share a full demo of our platform. Thank you.

Jake (26:52):

Hi everyone. Thanks for being with us today. I am Jake, I head business development for nine Spokes here in North America and want to talk to you a little bit today about our business banking innovative solutions that we can offer you and your clients. Before I jump right into the demo, I just kind of talk about how the landscape's changed. Obviously in terms of SMBs and businesses over the past decade, businesses are now using all variety of different apps across a number of different categories to manage their business and sometimes those apps are not really talking to each other or they are kind of siloed in different places and we at Nine Spokes try to do is bring that information together and then provide that to you as the banker to be able to provide those insights as part of your centralized business banking dashboards. Additionally, there is a lot of options that fintechs that have kind of risen over the past few years offer SMB's.

(27:42)

And so there is a lot of competition now between some of the traditional banks and SMB's for those types of businesses and to going after those assets. And with the advent too of open banking the past decade, we have seen a real opportunity specifically for banks to be able to take advantage of that to offer new and innovative tools. And so today I want to just give you Tom here is our head of partnerships here in North America and what we are want to do, what we want to do today is just kind of run you through for a few minutes, show you just how Nine Spokes Track works and what Nine Spokes Track is in effect, a white labeled digital tool to help SMBs navigate their cash flow as well as their business performance, all kind of within a native environment of the business banking dashboard. So your client would go log in, be able to better manage their business, creating kind of a centralized hub via your business banking dashboard that would drive usage ultimately ROI to your business and to your bank.

Tom (28:39):

This is a very payments adjacent demo demonstration.

Jake (28:43):

Yes, so want to start out today kind of three areas we want to talk about is one is our banking dashboards, the others are cash flow solutions and the others are business apps. Tom's going to take over after me here and talk about a bit about our cash flow tool, which is the number one pain point we hear about with business customers, small businesses out there is how do we better manage our cash flow? But jumping into it, what We have done here in Nine Spokes is created a banking dashboard and now what we do really well is we white label this beautifully into your banking dashboards to make it look and feel like your own native environment. So as far as your clients are concerned, they are using your business banking software and It is all provided through you the bank.

Tom (29:25):

And we know that It is that all banks are in different stages of the business banking or in the kind of digital strategy. So we have made this platform completely modular, It is customizable to you the bank, so that way if you are in the beginning of your strategy or at the end of your strategy, you can use this and kind of maximize the tool.

Jake (29:44):

Exactly right. We integrate into you not the other way around. Basically looking at our banking dashboard here, we have our quick tiles up front, which can give us a quick glimpse of our credit money movement in and out. Again, all of It is customizable. We also have a balance summary and also a transaction summary where you can go on a month to month basis and get an understanding of your incoming outgoing transactions as a small business. From there we have balances top five payees, etcetera, quick view tiles, again customizable to that give the small business a quick snapshot of the way their business is functioning. And the way we do this is by effectively connecting directly into your banking APIs. Let us say you have clients who most of your business clients likely hold money in outside financial institutions. We have a way of connecting into some of those outside institutions and for those clients to be able to connect those apps and connect, pardon me, those bank accounts and give you an example of what it would look like.

(30:42)

If I wanted to let us say connect my Santander account, that along with the account I have at your bank, we can start a connection prompting a login screen here you would provide your login credentials, all of the data we pull as consented data, and then we basically would log in, build the dashboard and then create that experience as well. Really provides a couple different advantages. One now the SMB can start to see the different accounts they hold natively within your environment, but it also provides you the bank having greater transparency in where other assets are being held by some of your small business clients can give you a competitive advantage and greater transparency as far as trying to maybe draw some of those assets over to your own bank. Want to transition here into our business apps and understanding the business intelligence and that is where I am going to take you into our connect page.

(31:30)

We have built integrations across a number of business apps ranging from accounting to marketing to product. And we will show you this here in a quick minute, but you can see here in our app library, your small business customers can basically go in there, take a look at which apps they want to connect, click around across our app library. Let us say I want to connect my QuickBooks, very similar journey to what you just saw with connecting a bank account. You would start a connection with prompter, QuickBooks, login here, agree to terms, and then that populates what we call our divisional tiles. These are tiles we have built. Again, you have all these different apps that SMBs use, but these apps do not always talk to, they are you. It is hard to pull data. You are kind of looking in a siloed view of these apps. This helps kind of bring it all together in a centralized dashboard.

(32:17)

You can see here these different tiles are powered by QuickBooks. We can look at net profit, gross profit, we can move these tiles around, we can add or remove them as we see fit. Again, totally customizable view and Nine Spokes though as important as general ledger applications and financial data applications are, we also take a holistic view of the business. We want them to be able to better under manage their business and get that 360 degree view. And so we also offer applications across marketing for let us say campaign performance on MailChimp or ad clicks to revenue or web activity or traffic on Google analytics, Facebook campaigns, etcetera. So a bunch of different ways that these SMB can utilize this data and be able to look across multiple different app categories. Other a categories we have include product in hr. And then lastly I'd just say that It is possible to also customize a board and let us say I want to create a revenue board across multiple categories. Select the app I want, create that board and we can customize that look and feel across all the different categories used up a lot of time here. So I want to transition over to Tom here who's going to talk a bit about our cash flow tool.

Tom (33:31):

Those award shows when they have that music playing, I do not want that music to play, so I am going to try my best here. All right, so the last stage of it is that. So Jake walked you through the tool that basically will let you understand how your current cash position is if you are a small SMB user or a lower mid market, and then you want to see all of the different applications that are going to support that cash position. The final piece to our puzzle here is cash flow, right? It is the most important and pain point. Every time we do user testing it always comes up. So same thing that Jake showed you, all of the different connections that the user has made throughout this whole platform then informs their cash flow. Our cash flow tool brings in all of the API, bank API data that we ingest from our bank partners or from our general ledger partners or both.

(34:15)

So here the user can see all of the different top pieces of information that would be privy to them. They can get quick pieces of insights and they can start making actions. You can do it by day, by week, by month. You can go ahead and you can select different accounts based on your business accounts. You can also connect personal accounts or credit card data depending on whatever the bank API provides for us from here, we are a very mobile first tool, so you will see here that you will see a couple different graphs. They are very responsive just on mobile, your finger would glide across and you would be able to see it just go like that. If you hover over it, then the user would also be get to see, in this particular case, let us say their cash flow is $7,300 and they might have a cash out of $8,700.

(34:54)

They will be able to see that breakdown so they can see it specifically. Now, as you can see here, I will just show you one little thing and then we will wrap it up, which is that the cash flow, as you can see here, the user seeing that they are going into negative. Now this obviously alarms this SMB user, but they remembered that they have a couple different payments coming in over the next rest of the year. So they can add a projection, they could go in, they can select an account, put in the money in, select the amount, put in the two from occur when it would happen, put in a date, put in an end date, and then confirm and now their cash flow has immediately changed. Cash flow, like I said, is one of the biggest pain points. It is one of the easiest ways I think to help support an SMB customer.

(35:39)

Our tool is really exciting because I think from a lot of attendances that we have so far, our customers have seen a raise in about retention, a decrease in cost to serve, an increase in account balances and more importantly, what we will can show you at the table, table five outside is that all of this information can also go back to the bank. So we will provide it back to you and you can then use that to arm your associates or your relationship managers to have proactive or fruitful conversations with potential data that they might not have access to. Otherwise the award show music is going. So I want to thank you guys so much for having us. We really appreciate American Banker, they are such a great partner. We are at table five outside. We are happy to do a larger demo or a deeper dive. Thank you so much for having us, appreciate time.