Core Insights - The company has experienced consistent growth in its customer base over the last 4 to 5 years, particularly in accounts payable and spend and expense segments [1] - Average Revenue Per User (ARPU) has shown volatility, primarily influenced by macroeconomic factors leading to spending pullbacks and slower monetization trends in payments [1] Structural vs. Cyclical Growth - There is a need to differentiate between structural growth in the business and recent cyclical impacts, prompting a reassessment of business strategies based on recent experiences [2]