How to Integrate Biller Data in Credit Decisions?

The first hurdle is just, frankly, like getting access to that data and in finding, you know, consistent and safe consumer permission ways to access that data. The second piece truly comes down to sort of normalizing that data for use by financial institutions or credit bureaus. And so there's a lot of magic and artificial intelligence of things that happen behind the scenes to make it useful for a bureau or for a financial institution in leveraging that data to make a credit decision.