Chris Kennedy

Is there a way to frame kind of the opportunity today with data in agentic relative to prior innovations

Can you just talk about that journey and the tools that you'll have to drive more card member engagement

Can you give your latest views on Stablecoin, and implementing blockchain technology into your tech stack

Can you just talk about that journey and kind of give a state of the union on the SME technology investments

how the allocations have evolved between the different buckets, such as customer acquisition, general brand marketing

you mentioned the Everlink acquisition. Can you just give us an update on the international strategy

Can you just remind us of the dynamics and/or the economics to Jack Henry as you move upmarket

I think you launched a new enterprise account opening platform. Can you just talk about the opportunity

What's driving that? Are financial institutions consolidating vendors? Is it from changes in your go-to-market strategy

Can you just talk a little bit more about Victor kind of who the target customer is for that? And what type of interest and opportunity you're seeing

Can you just kind of give an update on the SMB strategy, kind of where you are relative to your initial expectations

any update on your efforts to rationalize the number of products that you guys service

Can you just talk about the current operating environment for your customers? You do have a new head of the FDIC who's made some comments

you mentioned data broker a couple of times. Can you just remind us of what the opportunity is there? And just maybe talk about the CFPB rule