Welcome, everyone, to Intuit Innovation Day. We're thrilled to share what will be the next amazing chapter that is igniting new innovation across Intuit and will create unprecedented value for our customers. We are creating the future where we do the hard work for customers to achieve the bold goal of doubling household savings rates and fueling the success rate of small businesses for anyone on our platform. Today, I will introduce you to Intuit Assist, the assistant that will power the prosperity of those that we serve. For 40 years, Intuit's focus has been to power prosperity around the world by helping solve the most important financial challenges of the 100 million consumers and small businesses who use our products. Every day, our teams are working to help improve small business success rates and help people put more money in their pockets. We have seen many significant technology transitions over the years, from DOS to Windows to the cloud and to the era of artificial intelligence, and each time, we've led the disruption and thrived. We have always believed that the era of AI would be the most transformative technological shift to ignite global innovation across every industry since the invention of electricity and the internet. Entrepreneurs and small businesses don't have access to the same resources that large corporations do, and we have the opportunity to help businesses of all sizes and consumers around the world thrive and succeed. five years ago, we declared our strategy of being an AI-driven expert platform. We are transforming the company from a tax and accounting platform, where consumers and small businesses have to do the work, to a global financial technology platform where we do the work for them, powering their prosperity. With that strategy in place, we've been investing in building AI capabilities into our products and services, leveraging our own financial large language models, along with other leaders in GenAI. This is possible because of our early investments in data and AI, and now with our accelerated investments in GenAI. This enables us to become the financial assistant in our customers' pockets, delivering insights and actions to fuel their success and in turn, create a thriving economy. Today, we are excited to share the next big step in our AI journey by introducing Intuit Assist, Intuit's new financial assistant that uses the power of GenAI to automagically do the hard work for our customers and fuel their financial success. Intuit Assist can transform the way a customer runs their business and personal financial life. It combines the power of everything that we know about them, AI and human experts powered by AI, to virtually do all the work on their behalf, delivering unparalleled confidence in their choices and decisions. Small businesses will now have more time to do the work that they love, while also meeting the needs of their customers, and consumers will have an easier time than ever managing and improving their financial lives. We have always believed our customers can benefit most from the power of AI, bringing professional-grade resources to individuals that need it most around the world, tipping the odds in their favor. Let me now share Intuit's unique advantage that will benefit our customers. At the core of our platform is powerful customer data. This gives Intuit the ability to deliver personalized, intelligent, GenAI-powered recommendations for customers to make smart financial decisions with full confidence. We are using our data to fine-tune our own Intuit financial large language models that specialize in solving tax, accounting, cash flow, marketing, and personal financial challenges. This is done with a single unified data architecture within Intuit's walls. For small businesses, our 360-degree view of their business and customers gives us confidence that we can deliver insights into their behaviors, their income streams, expenses, profitability, and cash flows, enabling us to provide personalized recommendations to help them prosper. As a result, we have 500,000 customer and financial attributes per small business. Additionally, we have 60,000 financial and tax attributes per consumer, including things like income, expenses, credit history, spending history, outstanding loans, cash flow, and tax information. This gives Intuit the ability to provide intelligent insights and personalized recommendations to help our customers make decisions to run their financial lives, including allowing Intuit Assist to do the hard work for them. Through the delivery of these new innovative experiences, Intuit will continue to help safeguard our customers' privacy, knowing it's both our responsibility and an imperative we take very seriously. Let's now say hello to Intuit Assist. It's a GenAI-powered financial assistant that provides personalized, intelligent experiences that is being integrated across Intuit's TurboTax, Credit Karma, QuickBooks, and Mailchimp platform. It is being used now by customers. Let's take a look. Intuit Assist gives businesses and consumers the option to guide them, to help them, take action for them, or provide a fast path to an AI-driven human expert to give additional help or take over and do it all for them. It unlocks the value of our platform to deliver unrivaled benefits for our customers. Small businesses can access recommendations and actions tailored specifically for them to manage their cash flow and grow their business. Consumers can now get personalized recommendations throughout the year about actions that they can take to maximize their tax refund and seamlessly get access to credit to make ends meet with personalized recommendations for financial products and to better manage their money. Intuit Assist is a massive step forward in our journey of being the financial and business assistant in everyone's pocket, doing the hard work to fuel the success of everyone we serve, powering their prosperity. Now, let's hand it over to Mariana to show you how Intuit Assist will help small businesses and entrepreneurs run and grow their businesses. Hi, I'm Marianna Tessel, the general manager of the Small Business and Self-Employed Group at Intuit. Running a small business is hard. Small business owners have to find new customers, manage employees, and balance their cash flow, all while fighting the odds that half of small businesses will fail in their first five years. They are courageous and resilient, but they're forced every day to make decisions, often for the first time, that can impact their success or failure. It's a lonely, lonely job. This is where Intuit Assist comes in. Our new generative AI-powered business assistant provides small and mid-sized businesses with much-needed expertise to help tip the odds in their favor. Our strategy is to become the source of truth for small businesses, creating an end-to-end growth platform across QuickBooks and Mailchimp that helps them run and grow their business. Data and AI are critical pieces of realizing that strategy. It allows us to reimagine experiences that deliver unrivaled benefits for small and mid-sized businesses. Here are four ways Intuit Assist will help your business thrive in the future. We will show business insights to help you make smarter decisions. We will do work on your behalf to make you more efficient. We will guide you through steps that help you reach your goals. And if you need more help, we will connect you with human experts powered by AI. Let's start with how Intuit Assist in QuickBooks will show insights about your business in a whole new way. Intuit Assist, show me my profit and loss for the last month... and the previous month. What were my top-selling products last month? Intuit Assist will also dynamically predict your follow-up questions and answer them in clear, natural language. We will be able to do this because Intuit Assist will understand the questions that are top of mind for every kind of business. But the reality is that you may not always know what to ask or know that there are insights buried deep within your data, so Intuit Assist will surface it for you on the spot. When you log in, Intuit Assist will deliver a daily summary of personalized insights, surfacing cash flow hotspots, finding the places to improve cash flow, shining the light on spending anomalies, and even celebrating wins. You will be able to drill down into areas that matter most to you for clear next steps and recommendations. As you can see, Intuit Assist will translate complex accounting concepts into personalized insights with easy-to-understand visuals. And for those of you who aren't on QuickBooks yet, Intuit Assist will revolutionize how you get started. Let me show you. Once you create a QuickBooks account, if you already have a website, Intuit Assist will automatically import your data from your website into QuickBooks to personalize your business profile. And when it comes to spreadsheets, we've got you covered. When you upload your spreadsheet of transactions, Intuit Assist will transform it into personalized insights and recommendations. You could not ask for an easier and quicker way to learn how to grow your business. Now, let's talk about how Intuit Assist will be able to do work for you in the future. It will take on day-to-day tasks, like generating invoice reminders for you, which you can always choose to refine further. Like, make it shorter, change a tone to be more assertive, or maybe more friendly for your loyal customers. And once you're done tweaking it to just what you need, off it goes. That's not all. Small business owners often tell us that what frustrates them most is managing their inbox and following up on emails that interrupt their workflow. So we automated that, too. With Mailchimp, you can automate the sales pipeline and qualify leads faster. As potential leads come in, Intuit Assist will automatically draft responses to these leads in Mailchimp using your product and service data from QuickBooks. It will continue to help draft responses with you until they're identified as fully qualified leads. And once you confirm, Intuit Assist will automatically update your Mailchimp sales pipeline, so you can track your customer's life cycle, saving you time and letting you focus on what matters most. Let's dive into email marketing, our next powerful example of how we will do things for you. Small businesses are very creative. Oftentimes, you've got big marketing campaign ideas you wanna try, but just don't know how to bring it to life. We know an email needs to work very hard to be effective. It has to build your brand, persuade customers who are on the fence, or get new customers to fall in love with your product or service. That's what Mailchimp has always been so good at, and with Intuit Assist, we're able to reimagine our entire email marketing editor with GenAI at its core. Imagine telling Intuit Assist, "I wanna create an email campaign to announce a new product I'm releasing, the Cavendish Comfort Chair." Intuit Assist will use generative AI to create 100s of personalized layouts tailored to your email objectives. First, select the draft you like most. Intuit Assist will draft a full email for you in your brand style with the images and text set up for you. Next, tell Intuit Assist who you'd like to target with the email. It will translate your prompt into a precise audience segment. Your draft is personalized and ready to send. However, if you wanna make adjustments, you can always click on the text and image to make easy edits. Is the tone a little dry? No problem. Our AI text editor can rewrite the email in a different tone or generate something totally new with guidance from you. Need to optimize an image? Our image editor will be able to remove background color and more. We know you're the true creative here, but Intuit Assist can also use data and AI to recommend what we think works best. After you've scheduled the email, you will see it added to your marketing calendar, and Mailchimp will automatically recommend a follow-up action to make sure you see the most engagement possible. Now on to how we will guide you. One of the challenges small businesses face is understanding how campaigns are doing, and then figuring out what to do next. Here's how Intuit Assist will guide you through it. Let's start with dashboard, where key business insights will be surfaced. You'll be able to ask how your last campaign performed. Mailchimp will create a summary of the performance metrics across multiple marketing touchpoints, and voila! Intuit Assist will supercharge it with actionable and specific recommendations to increase the marketing metric or optimize performance in your next campaign. This is an example of how Intuit Assist will guide you through everyday decisions for your business. Lastly, it will also help you navigate through mission-critical moments for your business by connecting you to an expert at the right time, so you're never alone. Let me show you. We know that cash flow is critical. Intuit Assist will be able to check your cash flow and give suggestions on what to do next, like reducing certain expenses. But we understand that sometimes you just need to talk to an expert who has been through it all and can guide you with confidence. That's when Intuit Assist will connect you to an expert. We relay all the relevant information to your expert so that you have full confidence that you will be helped by someone who already knows your situation. Whether you want guidance on how to get started or a crash course in accounting, we will have you covered.... Connect over a quick chat or a video call with screen sharing to get live expertise in a timely manner. During the call, our experts are supercharged by data, AI, and our Virtual Expert Platform to help solve your problems with speed and confidence. We know your dream is for your business to succeed, and Intuit Assist will be by your side to help you. It will show you business insights, do the hard work for you, guide you through day-to-day decisions, and last but not least, help connect you to an expert when you need it most. Now on to Ken, who will take us through some new exciting innovations in Credit Karma. Thanks, Mariana. Hi, I'm Ken Lin, founder and CEO of Credit Karma. Millions of Americans struggle with their finances. They're overwhelmed, confused, and don't know where to begin, and generic information just doesn't work. That's why personalization has always been a key differentiator at Credit Karma, because everyone's financial situation is different. Now, with the power of Intuit Assist, we'll truly help our members contextualize and understand their finances and confidently take action. Or with their permission, we'll take action on their behalf. Ultimately, we want our members to know that they're not alone. With Intuit Assist, they will have a trusted AI-powered financial assistant by their side. Now, let's say you're a professional who's establishing your career. Even with higher income and solid credit history, you still may need financial help. You're interested in tracking your net worth and have linked your accounts to Credit Karma. You log into Credit Karma to check your net worth and click to review your credit usage. There, you'll see a personalized insight letting you know there is a rewards recommendation available. When you click on the AI-generated recommendation, it expands to show a potential rewards opportunity. From there, it will do the math, comparing the average rewards that you're earning with your current credit card to the earning potential of another card. You hit Explain, and we'll start a conversation with Intuit Assist. Intuit Assist shows what you're spending on by category, including dining, transportation, and travel. Based on your top spending categories, Intuit Assist will also identify rewards you might be missing and offer a solution to optimize the rewards in your wallet. From there, Intuit Assist will provide a set of card recommendations with rewards based on your spending. You'll be able to compare your options, and if you wanna learn more, just click. With more information, you'll be empowered to make the right choice for you. Intuit Assist will ask if you'd like to apply, then leads you to our Easy Apply experience, where the application is already pre-populated with your information, so you don't have to leave the Credit Karma app. You review your information, apply, and can get approved by the issuer, but it doesn't stop there. Intuit Assist will give you an immediate action to get the most out of your new card. In this case, Intuit Assist knows you have a monthly gym membership and suggests you use the credit offered by the new card. To help you get the most out of your rewards card, Intuit Assist will set a reminder to switch your payment methods so you can take advantage of each benefit. Weeks later, it will see you booked a flight and send a reminder of how to earn the most points while traveling. In a conversation with Intuit Assist, you'll be able to ask for tips to maximize your points and rewards. Within seconds, Intuit Assist will outline the travel perks based on the cards in your wallet, including hotel credits, ride share and cash back, and expedited airport entry services. This gives you the confidence that you're getting the most out of your cards and not leaving any rewards on the table. All right, now let's see how Intuit Assist will help if you're early in your financial journey. Let's say you just started your first job. You live paycheck to paycheck, so when you have an unexpected expense, say, a car repair, you risk running out of money. This is where Intuit Assist will have the power to transform lives. You've linked your accounts, so Intuit Assist notifies you that you're now running low on cash. You click on the notification and begin a chat. There, Intuit Assist will show how the transactions impact your expenses for the month and provides a list of personalized financing recommendations based on your own data. You review your options, and you're empowered to make the best decision. In this case, let's say you chose a personal loan. You can easily compare your options, and like before, Intuit Assist will lead you to our Easy Apply experience, so you don't have to leave the Credit Karma app. You review your information, and with your permission, Credit Karma can submit the application on your behalf. Moments later, you can be approved by the lender. Once again, it doesn't stop there. We wanna help you avoid this situation in the future, so Intuit Assist will offer a few ways to help you prepare. When you ask for help tracking your spending, you'll receive a snapshot broken down into two main categories: essentials and non-essentials. Based on the connected accounts, Intuit Assist knows that nearly half of your monthly income goes towards non-essentials. It will tell you that you spend the most on entertainment, and this has been trending up. To help you manage your spending, Intuit Assist will recommend setting a spending limit for your entertainment purchases and will alert you when you get close. Here, with help from Intuit Assist, you'll be able to avoid a cash crunch and take care of immediate needs while preparing for the future. Innovation, data at scale, and AI capabilities are at the core of everything we do. It's in our DNA. It's what makes us uniquely positioned to deliver a personalized experience to the millions of Americans who struggle with their finances. Now, with the power of Intuit Assist, I'm really proud to say we can truly help you contextualize and understand your finances, and confidently take action to help you achieve your financial goals. Or let us take action for you. Intuit Assist will be your trusted financial assistant, always there for you, helping you make the best decisions every step of the way. Thank you. Now on to Mark Notarianni, who will show us how Intuit Assist will help millions of people file their taxes in TurboTax. Thank you, Ken. Hi, I'm Mark Notarianni, Executive Vice President and General Manager of Consumer Group at Intuit. Each tax season, millions of Americans find themselves sitting at their kitchen tables, surrounded by forms and numbers, intimidated by the task of filing taxes, and struggling to answer questions about their tax return. Did I get my biggest refund? Why am I paying so much this year? Did I do this right? Often wondering if they could just phone a friend. Today, I'm excited to show you some of the things we're working on in TurboTax this season, so that Intuit Assist will be able to enhance the experience every step of the way. Our new generative AI-powered financial assistant will give our customers greater confidence and reduce work while continuing to maximize their tax refund. Starting with TurboTax.com, we've noticed more than 40 million people visit TurboTax.com but leave without taking any action. So let's talk about it. It's time to do taxes, and you're afraid of making mistakes. For years, you've been going to your local tax store, but it's inconvenient, and the price is a mystery. Intuit Assist will be your shortcut to getting fast and reliable answers. Like, it will only take an hour. You'll see your expert on video, and you'll know the range of what you'll pay. Intuit Assist helps guide you into starting your taxes, in this case, with Live Full Service, with hardly any effort and clear, upfront pricing. Intuit Assist will welcome you with an onboarding experience to get to know you. It will help you get started by uploading, reading, and interpreting common tax forms like your W-2 and 1040. Based on the data you shared, Intuit Assist will create a personalized checklist of the remaining documents needed. It will catch that you received company stock and message you to confirm. Then it will inform you that this sale requires you to upload a 1099-B, and give you clear direction on how to find that form, and then it will add it to your personalized checklist. Intuit Assist will guide you to upload the remaining documents, reading, extracting, and applying the data to your return. At this point, Intuit Assist will activate the gateway to your tax expert, who will prepare and file your return. Let's say it matches you with Paul, a tax expert who can take extra care in explaining topics that are important to you. Once Paul has completed your tax return, he's ready to review it with you. During the video call, Paul walks through and explains the details of your return. He gives you time to get any open questions answered and lets you know that you can access your refund up to five days early through a Credit Karma Money account. And when you're confident, Paul will sign and file for you. Intuit Assist won't just help you, it will also free your tax expert from doing manual data entry, so they spend all of their time and attention making sure you get the best tax outcome. It will allow us to complete your taxes in under a day, and in some cases, within an hour. That's why our customers love and recommend TurboTax Live Full Service. Now, let's talk about what would happen if you want to do taxes yourself. Intuit Assist will be there from the start, so you can get recommendations and answers as you go. It will guide you through uploading documents and organize, read, and extract data from them, automatically applying it to your return. Intuit Assist uses the data it's collected to customize your tax dashboard. It will help streamline your tax prep and remove unnecessary questions as it learns more and more about you. As you move through filing, you may occasionally miss or skip entering certain data. Intuit Assist will constantly check your progress and keep you on track by servicing and resolving those issues on the spot. That means you're less likely to make any mistakes. Now, let's get you the best tax breaks. Intuit Assist will search hundreds of deductions and credits to surface the ones that you might qualify for. As you continue, Intuit Assist will anticipate where you're likely to have questions and proactively surface insights in the tax prep experience at the right time. It doesn't stop there. It's ready to show the math and answer follow-up questions every step of the way. This builds confidence as Intuit Assist talks to you in a way that a human would, making you feel safe, confident, as if you're sitting across the table from someone. Once you complete tax prep, Intuit Assist will summarize and surface the most important elements impacting your tax return, from highlighting significant increases in income, to unpacking state taxes, to recapping all your tax breaks, and to how much you'll get, or in this case, owe.... If you need that extra assurance to put you at ease, you can connect with a tax expert with one click. We know that owing money makes many lose confidence. This combination of Intuit Assist and human experts is so powerful, you'll be more confident in your tax outcome than you've ever been. That means total and complete confidence like you've never felt before when signing and filing your return. This is the new way of doing taxes. From start to finish, Intuit Assist will save you time and build total confidence by anticipating and answering questions clearly, reducing manual work, improving your collaboration with tax experts, and empowering them to do the best work for you. We're so excited to start rolling this out over the upcoming tax season. Between our Tax Knowledge Engine, our human experts powered by AI, and all other Intuit Assist capabilities we're working on, we're confident in our ability to serve all 200 million tax filers across the United States and Canada. We're dedicated to always making sure you get the easiest and fastest access to your money, and that you file your taxes with complete confidence. Now on to Alex, who will share the underlying technology fueling Intuit Assist across all Intuit products. Thank you. Thanks, Mark. Hi there, I'm Alex Balazs, Intuit's Chief Technology Officer. Now, you have seen Intuit Assist and the powerful new generative AI experiences in QuickBooks, Mailchimp, TurboTax, and Credit Karma. These groundbreaking Intuit Assist experiences are all built on GenOS, Intuit's generative AI operating system. Our years of experience solving customer problems in accounting, tax, personal finance, and marketing, coupled with our strong talent, data, and AI-driven platform capabilities, provides for an incredible foundation to ignite innovation with GenOS. We have a massive quantity of data, over 60 PB of data, 500,000 customer and financial attributes per small business, 60,000 tax and financial attributes per consumer, and nearly 20 billion transactions imported from financial institutions annually. This is data that only we have. We have cleaned and organized our data in a way that allows us to personalize our customer experiences. Now, with Mailchimp and Credit Karma, we have added more personal finance and marketing attributes. These additions to our powerful data platform enable us to intelligently do the hard work for our customers. We have a modern, fully cloud-native platform that allows our developers to move fast and deliver revolutionary benefits for our 100 million customers. We have increased our velocity by 9 x in the last three years. GenOS can further accelerate our speed with new capabilities, like translating tax rules into code up to 6 x faster. We have hundreds of capabilities on our platform. Just with our AI capabilities alone, we have 2 million models running in production, 65 billion machine learning predictions per day. Our rich data, our world-class engineering talent, and our AI-driven expert platform, now together with GenOS, helps us to fuel our customer success. Let's take a look at GenOS and how it powers our technologists to design, build, and deploy breakthrough generative AI experiences that you saw today. GenOS has four core components. First, GenStudio. Think of it as a dedicated development environment that allows us to rapidly experiment and refine generative AI experiences. Then we have GenRuntime, an intelligent layer that can access the right data and platform capabilities, choose the right large language model in real time, and can orchestrate and execute an action plan personalized for the customer. The next component is GenUX, which provides a library of consistent customer interfaces and flows. This ensures a clear and delightful generative AI experience. And finally, our financial large language models. GenOS is designed to run with our own financial large language models that are fine-tuned to solve tax, accounting, personal finance, and marketing challenges. GenOS has the ability to use multiple large language models. Using multiple large language models gives us flexibility to pick the best model that will do the best job for the customer. Together, these four components make up Intuit's GenOS. So how do these parts work together to impact the lives of our customers? Let's take an example that you saw today in Mailchimp. I want to create an email campaign for my new product, and I want to automate reminders. With the help of GenStudio, our developers have been writing code to answer such requests by fine-tuning prompts, connecting capabilities, and leveraging existing data and code. Once the request has been sent, GenRuntime is designed to intelligently create a unique and tailored execution plan. In this case, create a market segmentation, draft an email campaign, and set up automatic reminders. These results are presented to the customer in a consistent, clear way, using common elements offered by GenUX. GenOS will also select the best large language model to execute that plan. And most importantly, GenOS helps protect customer privacy and safeguard their data. We have responsible AI principles and governance practices that guide how we operate and scale our AI-driven expert platform responsibly, with our customers' best interest in mind. As you saw today, Intuit Assist, powered by GenOS, will deliver revolutionary experiences. We are building generative AI experiences at an unprecedented speed as a result of our data, our talent, our platform, and GenOS. This is a transformative leap forward that will power unparalleled benefits, and this is only the beginning of innovations using generative AI, and this is all in service to power the prosperity of our customers. Now back to you, Sasan, to wrap us up. I hope that you are as excited as I am with what you just observed. This is an exciting new chapter for the company. Intuit Assist is a huge accelerant for innovation, and our entire company is energized and mobilized to deliver reimagined customer experiences. Intuit's greatest superpower has always been breakthrough category creation, transformation, and disruption. And today, we're demonstrating that once again, as we bring the game-changing power of Gen AI to the world of fintech and Intuit's platform. We are truly at the beginning of our next amazing chapter as a company. I couldn't be more excited about the benefits that Intuit Assist will deliver to millions of small businesses and consumers that trust us to help them prosper. And now, let's hear from the people we serve on how Intuit Assist will improve their financial lives. Thank you very much. That's cool. That's a win. Everything in what I do is decision-making. By having all this accessible right in the palm of your hands, you're gonna be so geared up right here 'cause you're in tune with your business. I just think that it would drive me towards making better decisions. Being a single mom, I have to budget literally everything, so it's nice to know and track and helps me stay accountable. So, like, just time is my love language. When I'm, like, present with my family, I'm all in, and when I'm present with my work, I'm also all in. I feel like this can even give me more creative freedom, so I can focus on the parts that I enjoy and not the financial stuff that I struggle on, or even the email campaigns that, like, I've put off because I have no idea how to get started sometimes. I don't have a marketing person, I don't have a graphic designer, I don't have a copywriter. It's all me, and it's all the time. So faster ways to get those things out would make my day-to-day easier and also help me make better decisions, which I like that. So many times, people are afraid to make the right decision because they don't know who to turn to, to ask the right questions. And seeing AI being incorporated in that way, that helps people far more efficiently, because finances is always a big thing for most people, and that it's even, like, connected you to specialists as well. So if you wanna get past the computer thing, and you need to talk to a person, like, that's cool, too. I'm not gonna lie! You know, all of my decisions, all of my actions, I'm gonna have a roadmap to navigate myself every day. Confidence is gonna go from, you know, "I feel good" to "I feel great," to "I feel like unstoppable.