What are the costs and risks that Galileo and Synapse's customers would face if they switch to a cloud native platform?

Guest: Switching processing platforms is exceptionally delicate and challenging because you need to, especially as at scale, you're moving hundreds of millions or billions of dollars in transaction volume. And so every minute of downtime is like a really, really meaningful thing.

So when you're making that switch in the core system, you're risking hours of downtime, which is an unacceptably large amount of downtime as you are doing large-scale volumes. So it's quite challenging to truly move platforms. I think a lot of the digitally native players are betting that by building this more modern infrastructure they are capturing future potential versus necessarily doing a rip and replace of large scale clients on incumbent players.