Josh Daniell

But I think we'll see more of what we've talked about previously, which is this AI functionality will start to become embedded in other products.

So we talked about Revolut.

We talked about Perplexity integrating it.

And I think we'll see more of that.

And so...

The homegrown personal financial management services like Pocketsmith, Budget Buddy, SortMe, I'm expecting that they will also be thinking about this.

And some of them have already started with AI features like assistance with categorization, but there will be other features that they drop in the next year or two that take that further.

And that's the area to watch.

So happy to have the conversation.