Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

All right. Thank you, everyone, for joining this morning. My name is Tien-Tsin Huang. I'm the payments analyst at JPMorgan, and it wouldn't be a tech conference without Visa. So excited to have Visa kick off the second day here.

From Visa, we have Chris, the CFO. Chris, thank you for being with us.

Christopher Suh
Chief Financial Officer

Of course, thanks for having me. Thanks, everyone.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

We have a lot of things to talk about. But I thought I'd kick it off just with -- I like Ryan talking about Visa being the hyperscaler of payments. Hyperscalers, AI, there's so many big buzzwords now in tech, but I thought that was a pretty clever way to describe Visa. What does that mean to you as the CFO?

Christopher Suh
Chief Financial Officer

Yes. I think it's a great analogy. I mean, simply put, at the highest level, it means we're curating an ecosystem, helping it be successful, helping the participants in an ecosystem be successful. And in turn, that's going to enable Visa to have more growth opportunities that will drive durable long-term growth for Visa.

If I think about what that means, if I just even click down a layer deeper, maybe versus starting with like what do we mean when we call ourselves a hyperscaler, the leading global hyperscaler for payments, the way we define it, of course, is that analogous to a more classical sense, we enable an ecosystem, all the participants in the ecosystem to