David Benoit

So everyone is pretty cutthroat right now, right?

They see all these fees out there, and they're all trying to get them.

We are seeing a lot of banks talk about, we're ready to spend.

We're ready to grow.

We want to grow faster, which is kind of a different tone than we've heard for the last few years, where it's sort of been like, we're doing OK.

Don't worry about us.

I think the big sign from this conference was JP Morgan announced they're going to spend $105 billion in expenses next year, which is up like $10 billion from this year and

like up 30 something billion from just a few years ago.

This is money on AI.

This is money on talent.

This is money on just like putting it to more customer use.

So this is pretty big stuff.

We're ready to see a big year for banking in 2026.

Again, depends on, you know, what happens in geopolitics and the rest of the world.

But that's how they're feeling going into 2026 on the back of this big year.

Thanks for having me.