And in light of the tougher operating environment, they're looking to strengthen their financial position through tighter working capital and through disciplined expense management.

Feb 24, 2023 / CEO / receipt, needs a key / Victor Dodig, CEO | earnings call 2023-02-24 | transcript 2453e729-4ff0-4f91-b981-4bc444925c8d | chars 4405-4586 | segment 4

We also increased currency transactions, which arise from recovery in travel and continued growth in our international student banking offer.

Aug 25, 2022 / CEO / receipt, needs a key / Victor Dodig, CEO | earnings call 2022-08-25 | transcript e752cefd-a1d1-4a5d-a490-af3bd6209ff6 | chars 5409-5550 | segment 5

And as the economy continues to normalize, our goal is to ensure we have both a strong travel and non-travel card presence to capture market share as consumer spending increases.

Aug 26, 2021 / CEO / receipt, needs a key / Victor Dodig, CEO | earnings call 2021-08-26 | transcript 56eecb18-05fe-4f0b-90a4-0a0587a56b11 | chars 3167-3345 | segment 3