What are the potential opportunities for upselling within Productfy's platform?

Aaron: I think it comes down to how much you expand horizontally across a bank architecture. If you follow the bank's roots, banks make a lot of money on lending. That's why we're moving towards having a credit and lending officer, because you'll start out on basically a debit interchange. As you get more sophisticated, you might launch a secure credit card. That gets higher interchange. And then you want unsecured if you can figure out a way to bring your own balance sheet risk where at some point we are able to underwrite, and we align with where banks make their vast majority of money, which is on that lending side. That's a very well-worn route.

Or you can go verticalized. Let's think about the future of vendor finance. The easier it is to embed, the more opportunities there are for licensing and resale and making it look closer to SaaS. If you go vertically upstream, there are more upsell opportunities.

Any BaaS type of solution, if you look at the competitive ecosystem, you can see which way they're going. That gives you a signal for which ones you might want to make a bet on given whatever program it is you're looking to launch into the market.