No, not for consumers. We review the relevant policy annually and do not plan any changes. Last year (Nov 2022), we updated affordability data to reflect higher inflation. Generally speaking, the credit performance is strong and consistent with our expectations.

No, not for merchants. We review the relevant policy annually and do not plan any changes. SDC was no surprise and did not warrant any changes. We apply a different, risk based approach to all merchants. Large (enterprise) or public companies need to share financial reporting on a regular basis, for example.

Fun fact: Tabeo onboarded over 100 new dental practices in December 2023. We also signed a partnership with Henry Schein Business Services in November. Tabeo plans to accelerate its growth in 2024.