Stephanie Ferris

Well, it's a great question, and it's certainly a hot topic of the day.

Pulling way out, I think if we think about FIS, we're the largest financial technology firm that serves financial services broadly.

We see more money that goes across our entire money life cycle.

We support like 12% of the world's economy uses our technology.

So we have a great purview in terms of what's happening.

I think the other thing to note that's important as we tackle this question

is why we're so excited about 2026 and beyond and so optimistic.

And I'll bring it back to AI, but financial services in itself is growth on.

We are really seeing a generational moment here.

So you think about the banking industry and where it sits today in terms of its ability to have less regulatory,

be able to grow organically or inorganically, $50 billion worth of M&A transactions last year, be able to innovate inside the financial services industry with crypto and tokenized deposits.

So financial services as a set, which payments is part of that,

has a real growth on agenda.

At the same time, there's a tectonic shift happening in technology, which is AI.

So you put those two things together, and for me, it's a generational moment.

So when I think about financial services, including payments, you put those two trends together, and it's pretty exciting, especially for FIS, because we serve that industry.

Now, with respect to AI, which seems to be the topic of the day, and I certainly also read the report,

Look, I think what you're gonna hear from many CEOs that we are eternal optimists.

So we believe in technology and as CEO of a technology company, we think innovations in technology like this are really good.

We also have survived them over many, many decades.