Nilay Patel

But Boost is like an interesting set of incentives, right?

For you, it's a product you sell.

It might help some underbanked or low-credit people immediately.

Free.

I didn't realize it was also free for the bank.

I assumed the bank.

So there's no economic incentives for Boost at all?

I'm curious about that because, again, the tradeoffs as you attract more scale, as you provide more products, as you use AI to build even more scale.

Down at the bottom, right, the individual consumer, the thing I'm pushing on is will they feel more recourse or more control or less?

And over time, I would say increasing centralization and scale in the economy has led to it feeling less empowered.

Actually, I'll slightly change the subject here because I want to end on security.

You have a lot of data.

I know you're moving a bunch of your data to AWS.

You're moving to the cloud.

That will help you with security.

In some ways, it will help you with AI.

Sometimes the only way people hear about companies like Experian is because of data breaches.

Your competitor had a massive data breach recently at Equifax.

How do you think about that?

As we collect more data, we're a much richer target, and then the bad guys are going to use AI to launch automated attacks.