Stephanie Ferris

And so when you think about it from an FIS standpoint,

We process transactions and run technology for systems of record.

They're multi-decade systems and they're AI enablers.

So we don't see a world where we're disrupted by AI.

We actually see a world where AI is a strategic accelerant.

And I think that's what you're going to hear from a lot of us that run technology across the financial services industry.

What you need to have AI capabilities is a fantastic data and data moat and data strategy.

And that's what we have.

We have more data at FIS than anyone in the financial services industry.

We have over a billion cardholder accounts on file.

We process 73 billion transactions.

We see over 900 million bank accounts on file.

And so when we are talking to our customers about AI, it's about how do we help them use their data?

How do we help them get to their data?

How do we help them build AI agents on top of that data?

So for us, we see it as an accelerant.

Yeah, well, we absolutely have to adopt them.

Our job in terms of payment capabilities, and you're exactly right, whether it's a check, ACH, wire, real-time payments, crypto, tokenized deposits, our job as the technology provider is to make those capabilities available to every one of our financial institutions.

So we have to make sure that we innovate so that they can provide those capabilities.

If their clients want to use crypto, they need to be able to use crypto.