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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
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...
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
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?
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?
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?
How you think about the 60% this year in the context of the 80%, 90% that you experienced on the way up?
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