Good afternoon, everybody. We'll go ahead and get started. Thanks to everybody for joining us here in person at the Morgan Stanley TMT Conference and those joining via the webcast. Very excited this ...

America’s #1 Choice for Banking1, will release financial results for the first quarter 2026 on May 6, 2026 after market close. Chime will hold a conference call to discuss the results at 2:00 p.m.

Okay. Great. Welcome, everyone. Glad to have you here this afternoon. Welcome to the afternoon session here at our UBS Global Technology and AI Conference. We're very pleased to have with us today the ...