Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

All right. Let's get started. Thanks, everybody, for joining. My name is Tien-Tsin Huang. I cover the payments and IT services sector at JPMorgan. And we've had Remitly come to the conference, support the conference many times in the past. And so super excited to have them back.

Sebastian Gunningham, the new CEO is here. So welcome. Thank you for being here.

Sebastian Gunningham
CEO & Director

Thank you.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

And we've got Vikas Mehta as well the CFO. So I prepared a lot of questions. So hopefully, we covered all the topics that investors have sent through. So thank you for sending that.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

But Sebastian. Again, thanks for being here. I thought we just kick it off with you, what's been 90 days or so.

Sebastian Gunningham
CEO & Director

Coming up on 90 days, yes.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

Surprises. What are you excited about? What have you changed? What are some of the callouts that you call -- you'd mentioned to investors that maybe are a little bit familiar with the story.

Sebastian Gunningham
CEO & Director

When you join a company, one of two things happen, you begin to peel the onion and you: A, this is a terrible decision. The more you peel the worse it gets. Or B, is as you begin to peel the onion, the more you peel the better it gets. And I'm happy to report