MeridianLink, Inc.

We had a great point in time in the history of the platform. Where I believe the market is going, we've been positioning ourselves for that for a long time. And I feel where we're at today and where we're going, we have a very strong competitive position to compete in the market, in the market that we've defined as that $100 million to $10 billion of assets under management.

And then, sorry, just quickly one more follow-up. You mentioned that in the growing trend here that people are going to the branch less, and some of those interactions are there. Are there any areas of kind of a data verification component that are maybe becoming more incremental? You know, obviously you guys added the tenancy screening. through acquisition, but are there other types of data sources or ways that lending institutions are looking to be a little smarter but cast a wider net, especially if the mortgage market continues to contract?

I would point you back to fraud. I think at this point in time, when I speak to CEOs of alliance, one of the top of mind items, especially kind of in The world of digital acceleration is fraud and fraud prevention and management around that. And we are very focused on enabling additional functionality through our partner marketplace, through integrations, as well as continue to build our platform in that regard. So from my standpoint, I feel digitalization is a great tailwind. bringing significant new opportunities to us and others in the marketplace. The fact that our platform is so broad and so well integrated to consume data and make sure that the data is vetted as part of the decisioning and fraud is managed, I view that as kind of the next frontier in analytics and how you think through decisioning as part of that. And personally, I believe that we're going to look back five years from now in this industry and maybe 10 years looking back, we're looking at very much a digital revolution taking place in the consumer lending landscape. What you've seen kind of with mortgage in the last decade or so as the whole mortgage process digitalized, that's coming on a broad basis for consumer lending and probably in a more meaningful way than what we've even anticipated a year or two ago.