Charlie Youakim

So consumers don't have to wait to find us on a merchant website.

When they like the way Sezzle operates and the way the system works, they can just get the card and tap away.

And the reason I think that's really important is think about the evolution of, or think about a credit card in your wallet.

Would you rather have 15 private label credit cards or would you rather just use your general purpose credit card?

I think that's what the BNPL customer is finding.

I'd rather just have a general purpose credit card that I can use everywhere.

In this case, BNPL.

Well, I think we're early days still in this market.

I think we have like seven to 10 years of growth or strong growth in the BMPL space.

So I think it's going to be a rising tide for all the players.

Our view is get our elbows out and gain more of the share of it, i.e.

win the game as we do that.

And I really view business as like a sport.

You know, I kind of view it as like we're going out to play tennis.

Tennis would really suck if you're just hitting up against a board all day.

I mean, maybe not in terms of like, you know, we're going to win all day.

But you're another monopoly.

But it's way more fun.

You wake up in the morning.

What's the competition doing?