Companies covered: East West Bancorp, Inc. (NASDAQ:EWBC), First Republic Bank (OTCMKTS:FRCB), Signature Bank (NASDAQ:SBNY), First Citizens BancShares, Inc. (NASDAQ:FCNCA), JPMorgan Chase & Co. (NYSE:JPM), U.S. Bancorp (NYSE:USB), Banc of California, Inc. (NYSE:BANC), Axos Financial, Inc. (NYSE:AX), SVB Financial Group (NASDAQ:SIVBQ), Bank Of Montreal (NYSE:BMO), Visa Inc. (NYSE:V), Mastercard Incorporated (NYSE:MA), Fiserv, Inc. (NYSE:FI), Global Payments Inc. (NYSE:GPN), Western Union Company (The) (NYSE:WU), Euronet Worldwide, Inc. (NASDAQ:EEFT), Corpay Inc. (NYSE:CPAY), WEX Inc. (NYSE:WEX), Bill.com Holdings (NYSE:BILL), Flywire Corp. (NASDAQ:FLYW), Toast Inc. (NYSE:TOST), Shopify (NYSE:SHOP), Paypal Holdings Inc (NASDAQ:PYPL), Block Inc. (NYSE:SQ), Worldline SA (OTCMKTS:WRDLY), Remitly Global Inc. (NASDAQ:RELY), Apple Inc. (NASDAQ:AAPL), Adyen NV (ADR) (OTCMKTS:ADYEY), Fidelity National Information Services, Inc. (NYSE:FIS), Jack Henry & Associates, Inc. (NASDAQ:JKHY), Shift4 Payments Inc. (NYSE:FOUR), New York Community Bancorp, Inc. (NYSE:NYCB), Valley National Bancorp (NYSE:VLY), Capital Bancorp Inc. (NASDAQ:CBNK), FinWise Bancorp (NASDAQ:FINW), Flushing Financial Corporation (NASDAQ:FFIC)