1 00:00:00.035 --> 00:00:03.045 Tell us what are some changes, um, that we can expect 2 00:00:03.045 --> 00:00:05.045 with Green Box this year in 2024? 3 00:00:05.215 --> 00:00:07.485 Definitely. So of course we've gotta keep this secret 4 00:00:07.615 --> 00:00:09.685 sauce, you know, on some sort of radar. 5 00:00:10.225 --> 00:00:13.085 Uh, but we've really listened to our partners. 6 00:00:13.145 --> 00:00:16.285 We take a very part, our partners are our customer to us. 7 00:00:16.345 --> 00:00:18.965 So with that customer-centric approach, based on the 8 00:00:19.485 --> 00:00:22.205 feedback that we're getting from our relationships of 9 00:00:22.235 --> 00:00:25.125 what can we do if it's process-wise, technology-wise, 10 00:00:25.535 --> 00:00:28.485 we're looking to optimize our overall platform 11 00:00:28.905 --> 00:00:31.485 and, uh, put in some innovative solutions 12 00:00:31.515 --> 00:00:34.205 that I'm confident other lenders don't have on the table. 13 00:00:34.745 --> 00:00:38.645 Um, so already we put out some new, uh, solutions 14 00:00:38.745 --> 00:00:41.405 for our product that, you know, we're overdue. 15 00:00:41.405 --> 00:00:44.165 We've got that retention pricing option for our partners, 16 00:00:44.315 --> 00:00:47.565 flexibility to adjust their offers from a nice offer 17 00:00:47.925 --> 00:00:49.725 selection tool, no Excels needed, 18 00:00:50.025 --> 00:00:52.165 and making sure we're utilizing automation 19 00:00:52.165 --> 00:00:53.805 and technology to create as seamless 20 00:00:53.825 --> 00:00:55.085 as experience as possible. 21 00:00:55.625 --> 00:00:58.365 So those are some recent solutions we put in place, 22 00:00:58.785 --> 00:01:01.405 but that's just the foundation of a much bigger vision, 23 00:01:01.535 --> 00:01:03.165 which you'll have to onboard 24 00:01:03.165 --> 00:01:04.205 with us to find out what that is. 25 00:01:05.205 --> 00:01:07.645 I like that. I, I like, I I like your, uh, 26 00:01:07.645 --> 00:01:08.845 selling tour there. 27 00:01:08.905 --> 00:01:11.005 You're Now let, let me ask you this last question. 28 00:01:11.005 --> 00:01:12.805 So what are some of the changes you've seen in 29 00:01:12.805 --> 00:01:13.885 the industry recently? 30 00:01:14.335 --> 00:01:15.885 Definitely. Well, of course, 31 00:01:16.065 --> 00:01:18.925 if we could predict the economy, everyone would be rich. 32 00:01:19.425 --> 00:01:22.565 Uh, so what we're though seeing on our end is 33 00:01:23.075 --> 00:01:25.805 some stabilization from the macro environment. 34 00:01:25.815 --> 00:01:27.645 We're feeling a bit better about it, right? 35 00:01:27.645 --> 00:01:29.165 We're seeing confidence. 36 00:01:29.165 --> 00:01:33.045 Whereas 2023 is very much about finding that nice balance 37 00:01:33.145 --> 00:01:37.005 of risk while, of course serving our client's health. 38 00:01:37.345 --> 00:01:41.925 Uh, so we are just really data analytic, uh, 39 00:01:42.135 --> 00:01:45.285 based with our approaches, we are going to go ahead 40 00:01:45.345 --> 00:01:48.405 and dive into our funnel from the very top, 41 00:01:48.835 --> 00:01:50.405 look at everything and make sure 42 00:01:50.515 --> 00:01:52.965 that the solutions we're putting out there is something 43 00:01:52.965 --> 00:01:54.405 that our partners can depend on 44 00:01:54.825 --> 00:01:56.765 and just see through for the years to come. 45 00:01:57.445 --> 00:02:00.485 I think being over business for 10 years, uh, speaks 46 00:02:00.485 --> 00:02:03.245 for itself and that really just comes from being a smart 47 00:02:03.245 --> 00:02:04.805 lender, being a responsible lender. 48 00:02:05.185 --> 00:02:07.205 And sometimes it's not always about capturing the full 49 00:02:07.205 --> 00:02:09.365 market, it's creating that confidence for their partners 50 00:02:09.715 --> 00:02:12.765 that whatever flow we're giving them, it's 51 00:02:12.765 --> 00:02:14.165 to best support their portfolio 52 00:02:14.585 --> 00:02:16.645 and give them that stability that they need as well. 53 00:02:17.845 --> 00:02:18.965 I lied to you. I know I told you 54 00:02:18.965 --> 00:02:20.045 that was the last question I do have. 55 00:02:20.285 --> 00:02:22.325 I have a couple more for you. So what brings you 56 00:02:22.325 --> 00:02:23.685 to a d banked event like this, 57 00:02:23.685 --> 00:02:24.725 and why do you feel like these are 58 00:02:24.725 --> 00:02:26.445 important for you and the industry? Yes, 59 00:02:26.445 --> 00:02:27.445 Definitely. I think 60 00:02:27.445 --> 00:02:30.405 the thing you've really gotta appreciate about our 61 00:02:30.725 --> 00:02:34.365 industry is that old school network that, uh, 62 00:02:34.725 --> 00:02:37.205 face-to-face relationship that we built here. 63 00:02:38.155 --> 00:02:39.805 AI's on the move, right? It's on the run 64 00:02:40.025 --> 00:02:42.285 and it's changing a lot in the world of technology. 65 00:02:42.385 --> 00:02:44.485 But I think what comes to our industry, it's 66 00:02:44.485 --> 00:02:45.485 that relationship 67 00:02:46.025 --> 00:02:48.725 and knowing who you're working with that makes it 68 00:02:48.725 --> 00:02:51.845 so tight knit and allows to be a force for the economy 69 00:02:52.295 --> 00:02:54.325 where other industries don't have. 70 00:02:54.545 --> 00:02:57.045 And, uh, for us, it's important for us to take that time 71 00:02:57.065 --> 00:03:00.285 to connect with our partners, hear them out, you know, make 72 00:03:00.285 --> 00:03:01.365 that personable touch 73 00:03:01.585 --> 00:03:04.445 and honestly just celebrate the wins we've had together 74 00:03:04.465 --> 00:03:05.725 and look at what more we can do. 75 00:03:06.625 --> 00:03:08.485 So today, at the end of the day 76 00:03:08.705 --> 00:03:11.605 before the networking reception, there'll be broker battle. 77 00:03:11.845 --> 00:03:12.845 I don't know if you, you've heard about it. 78 00:03:12.865 --> 00:03:14.045 So, so yes, we have, 79 00:03:14.095 --> 00:03:16.445 there are several brokers that are competing. 80 00:03:16.915 --> 00:03:20.325 It's, uh, it's gonna be something akin to a boxing match. 81 00:03:20.475 --> 00:03:21.485 It's gonna be, it's gonna be fun. 82 00:03:21.635 --> 00:03:22.605 What are your thoughts about it? 83 00:03:22.605 --> 00:03:23.685 What are you looking most forward to 84 00:03:23.685 --> 00:03:24.685 About that? I'm intrigued. Look, 85 00:03:24.685 --> 00:03:25.965 I will say we have, 86 00:03:26.625 --> 00:03:28.885 we have partners more than one partner on that, 87 00:03:28.945 --> 00:03:30.085 on that, uh, lineup. 88 00:03:30.225 --> 00:03:33.045 So we'll be cheering in our own ways for H one. 89 00:03:33.185 --> 00:03:36.885 And I, I think I'm excited for us, uh, for the bank 90 00:03:36.885 --> 00:03:38.965 to take this move and get, you know, 91 00:03:38.965 --> 00:03:42.685 the top experts in our space to go head toe to toe. 92 00:03:43.085 --> 00:03:45.525 I think right now what we're seeing is an influx of a lot 93 00:03:45.525 --> 00:03:47.045 of new ISOs coming in 94 00:03:47.345 --> 00:03:49.765 and to learn that formula of success 95 00:03:50.075 --> 00:03:53.485 that individuals like A-F-N-C-L-M, right. 96 00:03:53.545 --> 00:03:55.765 United Capital Stores have taken the time 97 00:03:55.765 --> 00:03:57.085 to develop year over year. 98 00:03:57.515 --> 00:04:00.285 It's nice to get to see that on the stage, head to head 99 00:04:00.545 --> 00:04:02.845 and, uh, pick up some of that flare for yourself.