Thank how the forward. you, to provide color we some Jim. on I would business are going about thinking like
With core our we position move First decision to on and a the growth. in Bank better Carolina finalized, focus upcoming to are
going our Our primary student to business. focus on forward down double be will
every already in college X are in leaders a We refund. receive eligible market students this to touching about segment, X
believe tremendous there potential in this is we However, segment. growth untapped still
a XX% in disburse the university checking of BankMobile this of billion Similarly, of less checking which their each relationships, in choose vehicle accounts. receiving to a billion only we billion financial refunds to into example, want $XX as existing $X year account students our to through receive the than flows BankMobile about they aid For refund XX% $XX refund.
open year. we we that almost active lose many accounts as Furthermore, each accounts an currently
our but to holder. totally So with there we our market is tremendous improve there retention mission why we for opportunity us what it a we about only is of but the is tremendous being. of that is -- came account into love Not market opportunity to student aligned capture,
a with Americans We by than more built strong way them to financial a students of to this experience. partnering bank we U.S. by digital and empower them that company premise transparent utilizing affordable, the execute mission financially wanted build with millions What lives in better banking of and helping on providing technology build on on millions by consumer-friendly us. focusing to that best-in-class the
There to this are steps few reality. make a
then Growth our marketing data we enhance or experience has provide have to First, who the and to the strategy current will development Chief help insights starting in right executing strategy. have leadership team the the with the team, execute. product, shape business He she to the Officer, and
role We by our this are final in the to this of hire new hope the the have of stages and year. in top addition team a to
base This technology we more student our unify and our products we to can attract customers in road so new need we deem roll quickly features build place we have and our way, API-based business. Second, map. to modern out much stack technology and our for our student important most product out retain that
unification expected XXXX. is technology This QX out to upgrade in and roll
which XX Lastly, the to the next we forward more as will and months. tactics And new us segment higher our strategy. opportunity over in will need the we quantify to allow XX finalize to strategies, to sharing experiment the build better education look we team on and with
for to our we Many earn the That diversification pressure. higher is with model revenue revenue. As SaaS reality a being BaaS that BaaS of remain other just due BaaS believe to we there this lot said, said, BaaS for have players opportunity profitability intrigued. players succeed large. must regulatory a currently the market strategy, factors, provides including is struggled opportunity margin in opportunity with face key few by few. banks an a Bath name still number to pressures, That a and disintermediation being risk effects, remains of the macro as we of to increasing facing
continue potentially opportunities and remain partnerships, M&A focus expense will to not but in student at BaaS core business. active losing this space, the look us competitive help and of our deals, on We for opportunistically that
to I about that optimistic and are our want future. excited reiterate summary, In very we
to We on company are and quarter-to-quarter building not our just focused results. less are
you amazing you skills team. Thank we and is strategy joining and over growth, XX refocus back $XX much a goal that do importantly, shareholders. you We to our thereby on discipline increasing million of call for Our EBITDA of today. of through do. next for value Thank for your and company plus hopefully revenue XX get support, our to the in us cost the significantly our all most so combination appreciate the months of dedication our to appreciate
will questions. the open now for We line
