Andy Schmidt

just comment around just the confidence in driving improvement in revenue there as the year progresses, obviously, macro aside

maybe just talk about what you hear from suppliers in terms of payment choice, things like that, whether there's been any change on that front?

I was wondering if you're seeing any benefit from some of the sales changes you've made the reorg, the rebranding, obviously hiring a CRO

The Payables Enterprise win, to go after that enterprise TAM, are there product adjustments or go-to-market motions that, that need to be updated

can you talk about to what extent bank M&A is included in the outlook and then opportunities in subsequent years

I'm wondering if you could just comment on the level of accretion that you expect, we get to those single digit in 12 months

how you go about the cross-sell motion

I wanted to ask just on SME back book. If you talk about the performance there ex Clover

Mike, I hear your comments on the sort of the core client retention. Maybe just a little bit more color on what you're seeing there

I hope I could drill down just on your comments on AI-related revenue. Obviously, there's a few sources

Maybe just talk about the sort of e-commerce SMB integrated payments breakout. So where the largest opportunities are there

Maybe talk about just the progression into 2026. And whether any thinking has changed there, particularly in terms of drivers?

if you could put a finer point on how you manage product across SMB and enterprise, and how we get to that faster product innovation

Can you just talk about just the classic kind of macro question in terms of what's embedded? Is there sensitivity?

Have there been any changes in terms of the mid- to upper funnel when we think about just how FIs are working through

how large is that discretionary component versus nondiscretionary component when we think about just the headwinds

if you talk about just the conversations with those large banks and credit unions that you're winning, what's driving those wins

is there any convert merge revenue in the back half outlook? And then I think, you know, when we think about just ongoing revenues

could you just remind us how Jack Henry is impacted by consolidation from an underlying revenue growth perspective

Maybe just unpack the first quarter performance a little bit. I know you managed for the full year

if you just comment on whether the competitive intensity for deals has changed at all or whether that's relatively stable

Maybe just comment on the sustainability, the drivers of sustainability on a go-forward basis

Can you talk about just the drivers of the growth there, whether was relatively similar to the fourth quarter

We get a lot of questions on [indiscernible] discover. Maybe some thoughts about how you're thinking about that

do you think the shortfall is attributable to one side or the other?

could you talk a little bit about the halo effect, if any, that you're seeing outside of those categories

Maybe you can just unpack the fourth quarter performance particularly in the U.S. How did it sort of trend relative to your expectation

if we could peel back the layers there and maybe talk a little bit more about what's going on

Maybe you can dig into value-added services. Good to see the robust growth there. Maybe you could just unpack

I just wanted to ask on the regulatory environment in the US. Obviously, a new regulatory regime here

whether the spread should fully converge or whether there's a smaller persistent spread that we should be modeling

I got to ask on BNPL. A number of good comments there, momentum in Afterpay post-purchase, the new product that's rolling out in 2026