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Or have they become more attuned to the fact that this is a place where they can start looking for products
you're kind of pointing to a slowdown in GMV growth to 30% in the third. 25% in the fourth quarter.
if you could give us some more color on that extension broadly, how that conversation progressed
why do you think that is? Why has no one else, be it fintech or legacy, gone into the 0% APRs with the same kind of vigor
I was wondering if you could unpack some of the assumptions that underpin that analysis?
Active customers were up twenty-three percent year over year.
I wanted to get your certainly early thoughts on the UK launch.
in the quarter, growth there slowed 150 bps from 1Q to 2Q. So just wondering if there's anything to call out there.
how do you think about balanced growth if the acceleration in spend from this quarter continues
how has that partner receptivity changed with respect to co-funding credits and rewards
Could you speak to the integration effort there? How all these platforms come together
So those have all been below the longer term trend Can you just remind us what is behind the slowdown there?
anything structural besides, you know, the law of large numbers as to why Capital 1 domestic card loan growth
Were they lacking scale maybe on the lending side of things or more on the technology side or somewhere else
I'm wondering if you could share your thoughts on the specific investments strategies or levers you might have to solve that chicken and egg problem internationally and ultimately close the accepta...
is there some kind of non-volume-related component that's in ecosystem and tech fees
is there anything to read into there because my instincts would have been for more sequential growth
I think previously you were suggesting the take rate to be stable around 4% and now you are saying more like 3.5% to 4%. So can you just unpack what has changed structurally there in the last coupl...
how much of the better Figure process comes from the blockchain-based infrastructure versus maybe more traditional tech improvements?
can you give us some color on GMV that comes from Germany, the mix between Pay Later and any Fair Financing?
as a percentage of volume, the guidance would imply that the transaction margin is down sequentially in the second quarter
you're going to also grow into products that would seem to have a lower blended loss content
What kind of transaction margins are you seeing on the U.S. fair financing volume?
I was wondering if you could compare that to what a non-Shopify merchant can do or is doing to get themselves discovered by LOMs
I could also see a scenario where you know, given all the uncertainty out there, merchants are reluctant to make any big switch in their systems or their infrastructure
what are the purchase volume assumptions that kind of underpin the loan growth guide from here?
is the translation from the top of the funnel and pay later to loan growth any way different than the more legacy Synchrony product?
What are sort of the puts and takes you would advise us on as we're thinking about that exit rate on NII and the NIM
Could you give us some color on maybe what the waypoints you might be looking for to unwind that as we go forward?
Does that stance change at all with respect to the current macro environment and the uncertainty out there today? Is it possible that you would run with liquidity even higher now?
could you just unpack that dynamic and then talk about how you're thinking about things with respect to private label growth versus dual card co-brand growth going forward?
Just wanted to get your thoughts on how that might progress through the year because I think in the past, you've talked about a scenario
How you think about the 60% this year in the context of the 80%, 90% that you experienced on the way up?