Repay Holdings Corporation

the OEM that we won a few years ago. Last quarter in Q4, we announced a private auto captive. So it's not technically an OEM, but it's a large privately held captive auto finance company. And then in Q1, we announced another large, what I would consider an OEM to be more comparable to Mercedes. So very large, you know, household brand. And we're not expecting a large contribution for the remainder of 23, but we do expect a meaningful contribution to growth in 24 as the business ramps throughout this year and will be fully ramped to next year. And so it will be meaningful for us in future years.

Okay, that's great to hear. And then just any additional comments that you can provide in terms of how you're talking to your customers on the lending side? both personal and auto, like what type of changes they might be making in terms of their appetite or pricing that may or may not impact originations?

Yeah, very similar trends as we mentioned last quarter. And as we've heard from some of the lenders that are reported already this quarter and some of our conversations with, you know, private lenders, they're still focused on managing their credit performance. They're still, you know, they're cautiously optimistic on loosening tightening, loosening underwriting standards was still pretty tight. So not opening up originations. But again, we've said this before that there's a lot of demand for this type of credit. And so the demand being there is one of the more critical points for us. And as lenders get more visibility and feel a little bit more comfort, we think they'll open up to originations and to fund that demand. So not really different from last quarter. And again, And, you know, we had a large win in the personal loan space that we talked about last quarter that ramped up in Q1, and that's been really positive as well.