We've improved the returning user flow in Europe by up to 11% with three new features: displaying recently used institutions at the top of bank lists, pre-filling key information like IBANs for users in Germany and Italy, and consolidating redundant Strong Customer Authentication prompts. These changes reduce friction, speed up transaction completion, and make financial journeys more accessible, intuitive, and efficient. By streamlining the flow and balancing compliance with convenience, we've made it possible for businesses to deliver returning user flows that feel as smooth as the first – only faster.