The Importance of Personalization in the Digital First Retail World

Asha Durgahee: Let's unpack this personalization stuff before we make the fraud transition. So you're bringing up, you know, a crucial point that I think hopefully some of our listeners understand, which is that this is building a foundation. This is not putting together ... nifty side feature on your website. This is building a data foundation, building a software foundation and focusing on these core capabilities that drive value. Aha: Do you see those as kind of two core focus areas for all of retail? Is there a different way to crystallize it?