Jason Wilk

I think for the last eight quarters in a row, we've seen steady loss rates just quarter after quarter.

And it's just been a huge boon to the business.

And because we're originating so much per quarter, nearly $2 billion per quarter at this point, every 10 basis points of loss rate improvement does really mean a lot for us in terms of profitability.

And that was a major lever we had to get to profitability faster.

Send us the code.

We're interested in it, too.

And we're really excited about how we can take the same underwriting to get into other lending products, too, because it is a really great way for people to get better access to credit and not just using FICO.

And longer duration too.

Right now, the microcredit we're giving out is due on your next paycheck date.

And so by nature of how fast the payback is, that tends to lead people to where they use it.

And so it tends to be for gas, groceries, rent, things more like you're doing to smooth over your income.

But if you wanted to buy an airplane ticket or books for school, you want a little more duration than your next paycheck date.

And so I think we really aspire to service our customers in many different parts of the credit spectrum.

We've been asked about that a lot.

I think when it comes to the public market investor being very specific on who we serve, which is a direct-to-consumer company, it gets a little bit messier when you start to become a B2B business and how you should think about talking to customers and to investors.

I think right now, given we're still in this recovery mode, we still want to just get the valuation up and up from here, we benefit from more and more investor clarity.

Well, regulatory challenge from what perspective?

Well, we do operate in a highly regulated industry.

Regulators do ask questions of all people, especially when you're dealing with over 10 million customers like we are.

I think you just have to be very mindful and very conscious at the end of the day that you believe in the products and services you're shipping to your customers.