Divvy

“We make money just like the banks would. And then we give you the software that Expensify and others are giving you. So we really combine it into one platform.”

“Well, we do have that set up. We are not Fully launched on it simply from a product standpoint, we actually launched it pre COVID. We pulled it obviously with COVID. And now we're, you know, going to start launching it again.”

“Luckies of the world, but just SMBs, you know, we kind of have two audiences. I say like one to 50 and 50 to 500, slightly different use cases for the most part, but SMBs in general, that that's, we're going after the mom and pops of America, Main Street Ameri…”

“Every invoice is a new vendor that we can talk to and say, do you want to accept a virtual card? Or do you still want to accept the ACH? And there are ways for us to make money in that flywheel and get new customers.”

“Brex drove innovation on the credit side and they deserve a lot of credit for it. We drove innovation on the software side and we deserve a lot of credit for it.”

“I mean, I think we'll easily top 20 and even with some growth pay on that, so we'll see, but we're going over a hundred percent, so we expect that to continue.”

“No, I'm very confident that we will achieve that.”

“Almost, almost all I would say majority of that is on interchange.”

“You're going to see the market, whether it's the big companies like Chase, Wells Fargo, Amex, et cetera, or other startups. Copying suit. Budget is one of those things that we've held to and we're super proud of, and it's super powerful for our customers. And …”

“Yeah, it's very fair. So which is crazy on a free product that people can walk away, right?”

“Clearly, if someone's a hundred percent company spending a 100,000 dollars, you know, there's 200 to 300 bips, so you can do the math, right? Like, now, there's a lot that we have to account for, though, right? What people don't forget is we are giving rewards…”

“And the advice I would give a non CEO co-founder is you have to understand where you sit for me. I always knew Blake was the quarterback and I was the running back to use a football reference, meaning we were partners and he, I don't think he could have done i…”