On the business banking side, you mentioned that Alkami is making progress. Could you describe what that means and what Q2 can offer in business banking that Alkami can't? What do they need to do to open up the bank market and the bigger end of the credit unions?

The gaps we see for Alkami, as we are actively replacing them on the business side, are similar to Q2. The issue is depth and the granularity of entitlements. It's about the ability to really delve into entitlements and set up specific permissions, like allowing someone to send a wire to certain people on Tuesdays for a specific amount. It's about having extremely detailed granularity on entitlements. I'm exaggerating, but you get the idea of what I'm talking about.

On the business banking side, you mentioned that Alkami is making progress. Could you describe what that means and what Q2 can offer in business banking that Alkami can't? What do they need to do to open up the bank market and the bigger end of the credit unions?

It's easier said than done. Users of cash management don't care about pretty screens or user experience. They just want functionality that meets their needs, including accommodating all the unusual edge cases. That's one aspect. Another is reporting—the ability to create reports that meet the specific needs of each business. If you offer a standard set of 20 reports and expect businesses to use them, it might work some of the time. However, there are always businesses that require specific reports, especially those generating significant fees, like $25 million, for the bank. Q2 can create those specific reports, while Alkami is still working on it.