Hey Andrew, Appreciate the thorough response. I definitely think you guys have a unique value proposition. I still wonder if it's enough to justify switching c

Hey Andrew, Appreciate the thorough response. I definitely think you guys have a unique value proposition. I still wonder if it's enough to justify switching costs for a large enough # of customers (e.g. re-setup bill pays, stored cards on accts, etc) for one truly differentiating feature, but wish you guys best of luck with your launch!