00:22:49 · S3, Terry O'Neil, Oliver Smith
[00:22:49] S3: Yeah. [00:22:49] S1: And because they're at a stage in life where they're managing debt, they tend to carry higher balances. That turns into and translates into higher lifetime value of the consumer. So make sure that you have the metrics in place to manage the value of approving that consumer at that point in time. [00:23:05] S0: That's super interesting. So the Pagaya customers actually skew higher. In many cases. Wow. [00:23:10] S3: Okay. [00:23:10] S0: Um, Terry, there there is plenty there for banks and fintechs to think about and to chew on. Thank you so much for joining us here on the Money Pot. Uh, it's been brilliant having you here with us. Uh, and to everyone listening, uh, thank you for being part of the conversation today uh and for caring about as much about the future of money as we do. Uh, you can subscribe to the Money Pot podcast wherever you get your podcasts, and you can find out more about money twenty twenty on money2020.com. Thank you, and we'll see you next time.