Charlie Youakim

What can we do to out-compete them?

I think that helps drive, at least drive me, like, you know, getting up in the morning, what to do, what to do.

And I really do believe, Tom, that we have good competition.

You know, my last industry passport, this parking space, I think it was a great industry for me to start in as an entrepreneur.

But I almost call it nowadays like the minor leagues of business.

It doesn't drive as much talent.

But even the retail payments or the payments industry we're in,

Wow, it's the major leaks.

And actually, I'm thankful that I had Passport behind my belt before I came into Sezzle, because it better prepared me for this level of competition.

I mean, we've got Klarna.

We've got Affirm.

We've got PayPal.

We've got Afterpay, which is a part of Block now.

We've got Zip.

I mean, these are all really good teams.

So we're always excited to see what they've got.

And our goal is still just keep on gaining market share ahead of them.

I usually like to think five years ahead, like where we're gonna be with our products and services.

And so I think five years from now, we're gonna be hitting the same customer group, younger, mid to low income, which by the way, is the heart of America.

It's like, this is a huge percentage of America.