“Our total OpEx guide is up low single digits. I would say marketing is up low single digits plus in terms of how we look at it, heavily weighted towards the second quarter, as we really look at the profile throughout the year.”

In context

“ng and employee productivity side, but also in things like our risk decisions. We see billions and billions of risk decisions that often to be honest, we are very manual in the past. We are now leveraging AI to be able to understand globally what are the nature of these risk decisions and how do we automate these across both risk models, as well as even just ensuring that customers get the right response at the right time in an automated fashion. Jamie Miller : Yes. And then with respect to scaling consumer and non-transaction OpEx, we increased our marketing spend in 2024 by about $250 million, and we were very focused around really reinvigorating the brand and then really reinforcing the consumer value prop as we did it. And as we get into 2025, we will be increasing marketing slightly. Our total OpEx guide is up low single digits. I would say marketing is up low single digits plus in terms of how we look at it, heavily weighted towards the second quarter, as we really look at the profile throughout the year. But it is been very targeted. And we've seen the results of that starting to come true with consumer MAAs up sequentially. We saw debit card MAAs up sequentially. We are seeing P2P improvement. So there is been a nice kind of flow through of what we've seen. We've got some CAC, or customer acquisition cost, budgeted for this year but we really haven't started deploying that yet. We've been testing that. But the full suite will be things that we'll be looking to deploy as we get into 2025. Operator: The next question comes from Harshita Rawat with Bernstein. Your line is open. Harshita Rawat: Hi, good morning. I want to follow-up on Fastlane. You talked about the new merchant wins. Now that the holiday season is over, and the merchants are more open to integrating new solutions, how are th”