Issuer Solutions Product Roadmap and Partnership Update

So, on that page, we need to do the product. Yes, hold on.

All right,

we're going to get to our last major topic of the day. So, we've covered a lot today. We started with macro trends in the future today and weighting plans. We're actually quite interesting. All the way through AI, emerging technologies, just in our operating model.

So, we wanted to wrap up today focusing more on delivery and what you all can actually expect in the marketplace from the issuer solutions business here at Boxer. So, I'm excited to lead this panel with the three partners leaders on the stage.

And I'll actually yield the stage because, as you guys know, we've gone through some major changes recently, but that is actually overshadowing some other changes in terms of bringing our organizations together and reorganizing under that principle of getting to better quality outcomes faster for our customers.

So, we can start with Erica for these product leaders to introduce themselves.

I think you feel a lot. I'm sorry. I'm sorry. Do I have a car? Okay. Hi, everyone. I think I've met a few of you, but I got some questions yesterday. One of those were saying, who is this person?

We haven't seen it before. My name is Erica Salek. I lead our dedicated data for Korea World's Car Solutions. So, traditionally, your Carp Services products. We have just combined both the issuing and Carp Services being more product productive.

But what you guys should be excited about is that a lot of the products that we have been offered to our bank credit unions, we're going to be looking across all of our products. So where do we combine and make things better for all of

our

mandates? So I'll be working very closely with this team and this board.

Great. I'm Rachel Scott. I know they need both follow -up, but who to see? I think once again, but I work on a regular basis. Yeah, again, this is going to be a fun time. You know, as we look forward to talking about what's actually going on in the market now?

What is that we're focused on? But also, as we start to look ahead and look around the corner a little bit and see what Sarah and Derek and Dan Pumpe a little bit, it's part of that is, let's see what's

together

as one part of the organization. We started taking the best of everything from the

advisor

and started looking at what financial solutions look like. I'll take more of a step forward from where we were relaxed and we talked about building out a customer -engaging team of the organization. It's really about the funding of customer service and funding to that solution and using the different platforms, applications, and the organization and the organization.

We talked a little bit about that today. But I think as we started moving forward, it's going forward to where the PBR is going forward to where we're going to talk about. So, as a team come together and we're actually for ideas and best practices and best conversations together, what's the best of the current?

Sorry, I think it's taking on you.

I guess I would just say, if you guys were introduced to yourselves, I thought,

John's model, where you can come together and talk a bit about that. But I think it's a close first, it emerged, it's been six years. And it actually doesn't require the learnings of our organization, but I haven't really talked a lot about that as well.

So, like today I talked about the fact that I have a team that manages for all of me,

and I don't want to talk about that a lot. But I guess just know that we did come together and we work to develop platform by platform, but leverage that development, you know, role -run employee thing. And so, today I'll talk a little bit about some of that, that's really on a different platform that really brings to office events as well.

But I think it's

a

fact that

I

find that I definitely want to come together and think all those.

I want to take a couple more minutes. Great. So, Rich, I want to start with you. We talked about privacy, Dave brought up privacy in some of his opening remarks. We're going to cover these kind of four pillars throughout this panel, just to anchor us in the conversation.

But when we think of privacy, obviously loyalty and rewards are top of mind, and there's been lots of discussion and excitement, especially on paying points over the years. But we're also seeing some interest and focus from our customers in the SMB commercial space.

So, when we think about spend track and 360 control, the tools we bring to the market need those needs, in addition to loyalty space, where are we going to have it? Well, I think. As I

said, I have a lot of questions. I mean, I have a whole bunch of products, but what else is still getting to me? Maybe not. So, loyalty is going to be great. And loyalty is going to be investors in many different ways.

When I talk about loyalty as a rewards platform, it's made me hear to talk about. Loyalty is the big loyalty, capital L, loyalty. It really is about how do you engage, how are you relevant, how is your brand pressing a client or remembered by that customer.

To me, the loyalty platform and loyalty solution is just a great place to start. Yeah. And it's a great way my love has been, has been a long time doing them. To me, it's going to be embedded in everything we do.

And one of the reasons it simply has to be, if you have all the loyalty currency that's out there, to think of what's out there in all of your credit card programs, loyalty programs, to think of what's out there as conversions you shop at, to think of what's out there as airlines and hotels.

You have all that currency up. And that's always going to be the third or fourth largest issue currency in the world. And you think about that from scale. And you start to think about the things that we talked about today.

A generous commerce. A lot of people have that currency. It's going to get injected somewhere into that flow. But where are we starting today? Is we starting to think about something that many of you have heard of talking about, and where we're going there.

Is last year we entered into a relationship, a partnership with Apple. We have Apple Payless Coins out there available for fans interested. We have all of those all. We seem to expand out what that Payless Coins looks like.

There are many opportunities where the customers want to be. They want you to meet them, where they are, where are they shopping, right? They want to be in the store, they're going to flow with the economy. They want that currency, expose them.

So we continue to build out that functionality with our loyalty solution. We'll be expanding out continually with other opportunities throughout the year back, and additional merchants and opportunities out there where to go ahead and spend that little currency.

Except for something that comes across all generational strata is people just want their currency right there. I'm sure many of you see it, you know, you're going to your hand is on a wallet, credit too. You can use your points right there for those wallets.

You can see it as you go ahead and in many cases pay for it. Use it to get discounted at the pump when you go to the cash link. A lot of opportunities to expand out the functionality there.

So that's going to be a big focus for the company to go out from there. As we can reach that, you know, the years you start talking about small business, you start talking about, you know, the background out there of what the economy is, and start looking at what's needed out there.

You start to leave your investment in 360 control. You get all the 360 control. It's our way in with our commercial card space. You go ahead and have all of the features in control you would expect with your corporate cards and small business cards.

We're in the middle of a rewrite of that. I think we're a little more than two thirds of the way through that. I think it's 70, 80 ,000 hours. So this isn't something we just looked and said, hey, let's just go ahead and enhance what we have today.

We said, how do we rebuild it? And this really is a true rebuild from the ground up. But with that job, we get people coming in, and we start saying, what are the products we have out there to support the different layers of the small business stakes?

And we start looking at making a lot of fun about Spendtrak.

Yeah, so the design team actually came up to me and said, when are we going to be able to get Spendtrak yesterday? So we already have a carbon on our own. There,

there's

a

lot of money in my thoughts,

but

you're going to be able to get it. They found me. So

Spendtrak is one of our tools.

We

acquired a company called Spendlabs about five years ago. So I like to tell that we beat Capital One into something, right? They just acquired REC. So this was our play five years ago to do an F &D, and such a management platform, social power to create, it's about to build alerts, and that's actually rich net program management.

So I think that's a lot of people who are going to be able to do that. And I think, you know, we hear that, and I think there are, what works best for financial institutions. Is it, you know, FedTrack, what's going to work on this, is going to be able to work, which one would be the most

of

your institution? But we'll have to be coming together as a team without doing that well.

And what I love about hearing you talk about that is there's such a clear focus on defining the need in that business user where everybody's offering, right? Rather than say, do you have a commercial offering, right? And I think in the past, you know, it can feel like you check the box, right?

Versus like, we don't just have a commercial offering, we call our spectrum of business users, whether that is a paid worker, a small business owner, a commercial program administrator. So see that diversity in the product set, and I didn't see it so important in those women's office.

I think it was really exciting. I think it was really exciting for our organization.

Well, it's very happy, you know. I mean, the point I think that is, nobody is out there looking for a team of their clients. Everybody wants to do something for a parent. And if we're not focused on that, and we're not addressing that politically, then we're not in the need of all your customers and all your

neighbors.

So sticking with crime scene, obviously, buying out pay later, there's been a top of mind, or a name's top of mind. I know, Kim talked about kind of noise or buying out pay later versus disabled stuff. And we continue to navigate this kind of new world of credit and spend lots of flexibility.

So, you know, Rich America, talk us through kind of the whole new strategy around buying out pay later in the credit space and the debt space between and buying out

pay later. And I think it's a lot better at all. I mean, you look at it and worry from the past two holiday seasons and just the explosion of utilization. How are we going to get to the first day products?

You know, we're looking for things for delivery this year. So it's in the . I think it's starting to get away from the HR days for a few days to start to look at different options. You know, where we see it in the future, we're looking at the platform even more than half a day.

And the reason why is really something we're doing with the load days. We're trying to build out a .

So, you know, we're looking at the .

So, you know,

we're looking at the . So, you know, the .

Kathy's my third child here. So I have a nine -year -old, a seven -year -old, and a firm .

So Kathy and I, I had

a

few

and they're

going to be able to build their . So I've been building products for this group for a long time. But we met with the firm and they had this pitch where they launched a . They have the firm .

They're not competing against financial institutions. So the idea for us that they want us to say, you guys have this long distribution channel of FIs that participate with you. Why can't

we

get a bit on your part? And we went to the data, which is our platform. The firm is our 90 -largest . So they're getting all these repayments and folks are taking the moment where they get .

So for us, the deal is that, let's embed our . We are . We have . But we have .

So credit side, typically, what's happening in the purchase. On the debit side, folks don't have . So they need some sort of cash flow or cash flow advance. And so they'll . So we're going

to

leave that into all of our individual solutions and our debit card platform.

All right. Bit of a pivot. Show of hands. Who watched the NBA Finals? I'm based in Brooklyn, so obviously I would say I lived the NBA Finals. So, okay. Keep your hands up if you saw the Pace commercials.

And .

I will say I've worked at PaceR for a little over six years and I've never seen something on TV where I got to go, oh, that's . I thought he was part of that. And that was a very exciting moment for me.

So that's why I was excited primarily and selfishly for that commercial. But Erica, why should customers be excited about Pace? It's an issuer led wallet besides, you know, seeing Gabrielle in the Blue Defense commercial talking about Pace.

So Pace is another one we've been spending a lot of time on. Michael Borsley and I have spent a ton of time with the EWS folks. So Pace is a wallet, an FI wallet that was created by the Amazon Excel or the Early Online Services.

The idea is really, they call them safety seekers, right? To get the people who don't take their car and put it to the Apple wallet, which is actually like 10 % of people. We probably all do it, but when we look at our sales, 10 % of people want to take their car and put it to the Apple wallet and use it.

When they use it, you're habituated and use it all the time. But Pace is really targeting those Dell users. So the people who trust their financial institution. It would be a wallet that's embedded within their financial institution. And basically the cart will be auto enrolled.

So it would be all of the cards in the wallet. The user never has to use the cart and put it in. And it's a new checkup card. So Pace came to us about two years ago and said, Hey, Pfizer, we've got this unique value property.

We've got the merchant side of the house and we've got the issuers. So we did a deal with them on the Clover side, where they're now enabled on all of our Clover merchants. And then with Commerce House, our larger interest rates merchants, they've come alive with dumping their nuts.

They're kind of targeting the everyday expense categories. The dumps in.

Domino's, I think, is the other one that they're targeting. So you'll start to see it pop up all the time. And the benefit, what I'm telling our issuers is, Hey, we want to do this because these early warning services, large banks are funding all these rewards.

So we're trying to get folks to do it this year because they have to spend and get them for up to 10 cards in the water. So you'll start to see Pace showing up at the checkout auction on your merchant site.

And then your financial institutions are going to go to the department there. We're doing this on both the Epic and the Ox platform.

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So people take their part to the wallet, fraud. You know, Charlie talks about business division, fraud there. The other is the Apple tax. So they're not going to determine if it's a basis point that occurs on the credit tax.

So that is a huge benefit that we have worked on so much about.

Yeah. And it's interesting. I think, you know, we touched on the Amazon question that we've been talking about, and how much pays digital wallet. And earlier you were saying you mentioned, I think in the panel, the Google Wallet, Google Pay, and it goes to some of the race.

Tell us more about our focus on creating that Google Ecosis.

Well, it really goes to everything we're doing in the digital wallet space. I mean, I don't know if I go to the QPR where something about digital wallet is a popular conversation. It doesn't matter whether it's with traditional issuers, like yourselves, a matter of whether it's out there, or what a healthcare client, the HSA card, the play card.

All of the conspects are talking about. What about digital wallet? It can be everything from how we're putting into it, the organization, all the way through, the provisioning, all of the different . Some of the things you're doing are there.

It's good things to reference. Yeah. I mean, between the July release and September, October, over a number of things going on. There'll be the building for highway parts, so that's what I think we use on Samsung Walls. There'll be quick provisioning into the end of the Amazon wallet.

There's a team of build out of the functionality of the digital wallet,

and

you start to find out all the different pieces, but I mean, it's becoming a necessity. You start to find out quick provisioning around the virtual part that's something we'll be able to build into early 2027. And digital wallet is there.

I mean, we all use them. It's just kind of greed. It's going to continue to grow. You will get it from the utility value. You'll get it from a cost -saving perspective. Every part of the thing we're going to do is, hey, do we have to release them by September?

Can we do a virtual part? We can push it out there and do these different things. And you start to look at it, and that's why it's in that scale. You've got to have the basic utility value. You know, get some of the things that continue to develop the whole AMEX lifecycle around hard art, hard load management, and decokenization is you've got to have the entire types that are in order to be able to go ahead and go out and do all these other critical things.

That will be folks I'm doing and reduce that.

I would add to that. I'm just talking about . And I have a lot of conversation around the conference, right? I'm just talking about the people who are trusting that process or not trusting that process. And, you know, think about it.

And I trust it by, as far as the, you're a perfect party, but you're not going to trust it to claim that you're But then some of you are to trust it just a little while over time, right?

And I've heard also using .

So I think there's so many things that I've been glad with that feature of the functionality .

Something that strikes me even thinking about some of the topics we've already covered, Affirm integration with Google Wallets, the Pace Partnerships is this kind of a trend of leveraging partnerships to accelerate those impacts, accelerate that and kind of widen our partners in the marketplace without seeding those critical customer relationships, without seeding that kind of seed for the brand of the logo or anything that, you know, our interest is obviously the top of mind.

There are a couple other partnerships we haven't talked about yet. So, Eric, maybe you can talk a little bit more about the partnerships behind things like Strive, Stable, you know, Agent OS, those of you that tuned in to the yesterday, what was it being something we won't get any more detail with that forum.

You know, part of what we're trying to do here is there are so many users work across all of our financial relationships we have. We did some research. Most people have about 10 financial accounts, whether it's an institution or it's big about communities or you know, you may have a lot of different relationships that you're managing across different apps.

So, what we're trying to do is bring the best of that world into and back to the financial institution, but also ensuring that ecosystem. So, we've talked to us and the partners we've been bringing in, but you've heard us talk quickly back in the of yesterday.

We're building the Stable Point Network. We've been doing that for two to three years at this point. We started with the acquisition of the currency led to the FinTech. We now have a building digital asset platform.

We

are so powerful, as we talked about earlier, that have had further thoughts upon the yield or the yield on this deposit instead of allowing the circle to do so. So, we've been curating this ecosystem. The most recent one we just launched, I was a policy today about this, is HNOX, our agent operating system.

Sierra is a company where we're partnered with Theda and we're looking at a contact center as a client use case. So, how can we learn agents to contain some of those calls that would have gone to a live agent use type calls?

So, we're, you know, a little bit of off -line we are, but in between a few and a few years, we're going to start to leverage that as one of our first few cases. So, what I would say there, I don't know if there's anything you would add, Rich, from the inside, but we really, we build our partners, so we build for you guys.

So, the extent that there's folks that you want us to talk to, I spend a lot of my time on the folks with FinTechs that want access to our distribution channels, and we're constantly talking apart. So, we would take cues from you all, but we're building out a lot of

the

system here is what I would say, and Rich would love for you to ask.

No, I think you laid it out beautifully, and it really depends on them, actually. There's a lot of things we know we do amazingly well. We have an amazing amount of assets in which we are crossing our type of building.

There are many cases where,

if

you look out, partnership is also the best way to focus.

I

mean, look at the partnership of Apple and Apple, with the students of the College of the Series last year, and they talk about, that's an ever -expanding partnership. And we continue to deepen. And you look at areas like that, where we're also using it to help all of you.

You look at some of the different notices and everything that comes out through Apple, and the mandates and the recommendations, and we're working directly with them now. So, we're seeing them front -line. So, we can say, we need to do something.

We need to build something. We need to prepare. That way, when it comes out, it's not a surprise for all of you to start thinking about the information around Ampans, the different registrations, the different pieces. It's the idea of thinking about the partnership, not just to build up the features and functionality, where it's find a way to market faster, but it's also a

way

to get ahead and be there for all of you. So, it's not like, hey, I just got this for us. It's maintained from Apple. What do you know about it? Oh, I never heard of that. You know, that's not the right answer.

So, if those partnerships that we have, we look at Apple, the Apple relationships, and we use a very different basis. They're saying, these are not the reasons we care about, we need to help with. We need to help build these things.

We need to help communicate out to all of your partners. And they leverage that one domain for us to have that conversation. So, there's certainly opportunities like Scribe and play others. We need to talk to one where we're also out there, just as we would with Visa and MasterCard, but with Apple and others to bring that value out, or at least try and say,

hey,

here's the company. We're building it ahead.

How

would that be?

So, if you think about this expansion of presence, expansion of channels, expansion of partnerships, right? Obviously, with that expansion comes risk. And new channels, new ways of spending, new risk profiles. So, Charlotte, to bring me back into the conversation, I like the way you put it before, and I think that's the way you put it in the data, and the data both as the asset and the risk, right?

In the fraud prevention space. Tell us more about how we're utilizing this kind of broad data set that Rachel used to, that we know we have through the consortium through our own assets within Pfizer. How are we turning that data into actionable intelligence and outcomes?

Yeah.

Everyone loves that consortium. That's my favorite. But it does have purpose. And I think that, especially in the age of data, we need to make sure that we have that common data, and that we share with you, especially in the fraud.

Right? It's not a competition against each other. It's not a competition. We're all together against the common fraud. And the more we're going to be assimilated and bring that together, the better we are. So, I was thinking about this question, thinking about the ways that we're flexing that data, and it's different methods, whether it be sending to you or the writing data within our system for accepting data.

There's really a variety of ways for doing it. I think it's available today. It's not an ex -con. SpendTrend Insights is our priority list for living for you. And we've had the field over time, and I mean, I don't know.

It's not another one of our favorite systems internally that they bring a lot of external data into as well. And so, I don't know if we want to get into that, but we eventually we've got data to you.

So, we've got data to you. So, now we have a near real time data screen. And so, you can get that data intraday, set to you seconds after the transaction happens, and build your own internal analysis, your own internal understanding of that data.

And so, we're excited that we have that available. When I think about using the data in our system, you know, we talked a bit earlier about advanced defense using the market in 2020. But just as we evolved defense in the broadest market in 2012, we've been evolving advanced defense as well.

And this fall, this is getting an integrated impact with psychology. But we have these data elements in advanced defense. Client -to -find elements, client -to -find fees. PDB stands for something else, client -to -find.

We're adding hundreds of those. We're adding more fraud behavior flags. Everyone loves a fraud behavior flag. It's like misleading skills and use that. You can define these skills in a way that you need to to fight fraud. So, we're adding a lot of that.

We've added token enrichment data into advanced defense. We just have details about that token transaction to mitigate the fraud that's happening on it. Last fall, we actually did advanced defense. We selected ID and paper for power advanced defense because it's very open.

And last fall, we added API that's defined by you. It can be defined in whatever way you want to, and you can see whatever data you want to into the advanced defense system. So, you can send us data points that only you know internally about your computer.

And we can house that and use that as we make decisions. Maybe it's things like if you're a debit and you have deposits happen. You want to see those deposits as we're seeing transactions happen on a debit account, for example.

Sorry,

I

can't talk more. Sounds crazy. So, we also have a circle called off -edge. So, if

you

think about the scale of Fiserv from an issuing and a merchant perspective, we're the number one issuer processor, the number one merchant processor. And we look to leverage that scale and bring insights from the merchant path into the issuer decision.

So, if you think about an ISO message, an authorization message, we only have so many data points. We can only derive so many variables from that. We can get very creative in our system. But think about the insight that the merchant has.

You know, they know the ability to address. They know the ability to ship to. They know if the gift card is in the basket. We want that data fed to us so that we can make real time off decisions with enriched data.

And so, that's what off -edge used to do is in an e -commerce space, a merchant has a luxury of time before they send the transaction. And that's normal happy packing network. They, we now have a path where they can send us through our commerce hub transactions.

You can hold that data and the operation comes through a normal path, we append it and we use that data real time for process. So, very excited about that. I talked a little bit when I was speaking about development that we do on one platform that we build one before many.

We're also excited about a new function that we have called fraud eventuring. And we're used by modeling for this. And we're in beta right now with ten institutions on different platforms. And we look to be GA by September of this year.

We're going to talk a bit about it at Vicer Forum. It's not for office yet, but as we've been building it, we've made it open so that you can use this role in the future. What I mean by that is it's built with community bank and, or community institutions and credit unions that rely on sites for a lot of their money movement.

So, we, we, we are their contact center. We see their IVR data. We process that for them. We are their, um, processor of art. They're mobile banking, they're online banking, they're for transactions, they're AML. They have ethics and rights for these financial institutions.

And so we look to, to use Tim's word, find the signals in the noise, right? There's a lot of activity happening across the consumer. So, let's just separate the cards for an online. The data is actually happening. They need to log into their online banking from a different device.

You know, are they setting up the different things? You know, there's just a lot of things that could be happening at that consumer level, not just at the card. And so, we look to, um, connect those tasks. And, uh, we built it in open way because we don't do all those things for you.

You're a large financial institution and some of those things are done elsewhere. But if you could feed this system, and then it outputs the score that you can use in whatever system you're making those decisions in, that's our goal.

So, don't have a timeline for that yet, but I just want to talk about that. It's exciting to hear about it, it's exciting to learn, and eventually we'll just, um, yeah. And I put on the agenda again, because everybody is going to see currently, which is another way to use data and use agents to fight broadcasters.

So, when I think about the question you asked, I come back to you about using data and the . Because I think it's the best place to use data. It's the best practice for it. Well, it's such a diverse set of data sources, and it's funny because in my day -to -day, we spend so much time talking about how do we get data out of FISER over to our customers.

And it's

interesting to hear if you feed to our customers, and input whatever you need data base, you can integrate to help your, uh, fraud prevention models. So, it's a novel development, and we're so used to one way of thinking and how they should be.

Right? Yeah. Yeah. So, Rich, staying on data, tell us where we're headed with, uh, transactions. You know, we've talked about, you know, to Charleston, there's only so much we can put in the off message from a problem prevention, but that customer wants to see a lot more data when it comes to their own transactions.

Well, it's not just, they won't see a lot of data, they don't understand it. They wouldn't be intolerable, they wouldn't be consumable. You

know, I didn't even talk about it, like, I just personally talked about it, but I hear about what it means, and the example of, you know, you get all this different stuff about the numeric, whatever, you're supposed to know what that's a strange means or where it was.

It's really compelling about how you make it intolerable and consumable. Yeah, you know, you get a transaction where it's when it does exactly that, you start to do it for us, and you think, okay, I know what that was, what the theory is, I've heard of Paul's, I knew it was a Paul Center or another, you said I'm trying to find that claim, or I don't know what you're saying, but, and when you look at it, it's something that's where it is as far as that transaction would be data provided.

And some of it were really good follow -up sites, but I start to look at it. There's other students out there.

I

mean, they look at what Apple is able to do.

Well,

they've got the advantage of having the device in

the

hand. So there's a lot more location data that comes along with that, but you're not getting at that personal . So you start to look at

those things,

you know, they start to look at other places. Can we marry the data up that, and get one more dimension to it? So while I think it's a great tool set that we have, it really is to look at it to understand where you're spending and what that transaction really wants and you don't remember it, it's an area where we're looking at how can we get another set further?

Where else can we go with it? How can we add that one more layer of data and understanding? And you start to look at it. But what it means is where I say it's going to be is you start to say, well, yeah, I found that.

And you start to say, at the end of the year, you start to look at tax time and start to say, where did I, where were all my health care related expenses last year? Where was this? And you start to get the answers of the transaction data.

So if you're

in

points where powerful then, okay, it's not my safety plan, I understand it. It starts to be, well, how do I think to deal with, assuming you said that's a macro level, what's more easily? And so I think that's really where we're going to go, especially when you start to find that whole data flow together.

It's interesting to talk some of the, my brain goes to agents and tax season, maybe it's like, oh man, an agent can pull certain transactions for me, you know, on the term of tax for me, like, where do I send that?

Exactly. And I mean, if you start to get good in, there's a bunch of people who could start

talking about small business, say that commercial side, and start to have the specialty boards, and start to do this, and start to classify, and do things automatically. Like if you have to take that, you have to take that, you have to take that engine, all of a sudden, you just make my employees, and I know I have a person who loves an engine that will go ahead and take my expenses, and automatically populate my report, go ahead and send my expenses for you.

And that's the other thing. I mean, why? And we all don't. We're all submitting. We're all submitting. We're submitting. We're submitting. We'd like it'd be forward and start getting these pieces together. So what it'd be and that'd be a great starting plan.

They're turning more plays. Yeah. Absolutely. So

staying on intelligence orchestration data, try out the former objectives, some of the broad solutions. You touched on in a couple of years, we kind of talked about credit risk manager and fraud detection works based. Where are we going to be supposed to be?

Right, so credit risk manager, maybe if you're on that journey to credit risk manager from that role, and really it's a fresh UI, a fresh user experience. But we've also added features into it. I think about conditional adaptive control, credit management, decisioning, our human reassures, our health unit issue.

We've added process related into that, as well as scoring, so your own scoring. And eventually as we build a consortium, we can build our own .

We're also, Colette is soon integrating into an experience after a school block. So not just a data resident, not just a data resident in our system, but .

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. when we have to get to reach out to talk to us whether it's something we do or something we partner with and the table all of that has to be accessible and available I just have

a really important

it's not the field of dream we're not going to build it and then we will come

I think if you've heard today like Michael and Dan you talked about the structure that we've created around intake and development you were going to talk about the speed of which we're going to be able to execute on that I'm excited about that but I need your grades I don't build anything inside of I don't like to think that there are more pictures we have that leadership and we do bring you data from people to you and you need to think about but ultimately it's this consortium of voice that feeds us so please I love your practice I love your practice but just keep sharing your voice as we know and

it's funny to say that my team actually is working in a case where we just got feedback on but we can build into an experience that we've done a lot and something about so yeah I think we're right there with you just in the interest of time I'm going to stop the panel there and open it up to any questions you all have for our product leaders

everybody does how do you feel about San Bernardino's probably and we're going to play

everyone do it

everyone watch that group everyone watch that group yeah great

all right we'll wrap there thank you guys for the time again find any of us or anywhere you saw speaking today if you want to dive into any of these topics or ask them questions to go deeper so thank you thank you

thank you thank you

look I want to thank everyone for coming I know you said they're out here hey you know the one thing is the product organization that you saw sitting out here they're available right to interact right they're doing the ideation for dance team and we really do charge that we really do value and really want your input you know as we develop these roadmaps and actually for the registration we'll

get

a lot more coming out for them as well so we'll see somebody there and I thank everyone for the trip and I'll turn it over and

I'll just say one

thing

on the day and you

know you know you know

you've heard a lot of AI things today it's here it's coming if you're not in the organization you know you know you know you've got to have different

journeys of adopting AI and I think in the organization we'd love to have different conversations on that but we may have part of the city earlier today you know I don't know I'm excited I felt intimidated

but you know and we covered a lot of different topics um enjoy thank you for being here we really want and appreciate what you guys you know we'll be getting a survey we want to know what kind of topics you want to hear about you know I don't know we may try to leave some of that content into more and get and I appreciate that so yeah we're trying to do what you can

and

make sure that you are um because we're that we are to make that the rest of this community and we're going to be um and and we really appreciate the partnership to the other investment and so with that I'll let it get some good give us a direction of those texts

thanks everyone thank you for all more wonderful presenters and comments we really appreciate all of you being here so will will will will will