The strong results in the EFT were made possible due to continued improvement in travel trends across Europe, strong performance from our merchant services business, expansion into new markets, and the rationalization of our ATM estate together with effective expense management.

Jul 19, 2024 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2024-07-19 | transcript 3ebb70a0-8452-4822-9093-250520d98a40 | chars 4041-4320 | segment 4

The increase in unrestricted cash and cash equivalents is mainly due to cash generated from operations of 98 million, the return of 75 million in cash from our ATMs following the peak travel season, and working capital fluctuations partially offset by $54 million in share repurchases and the issuance of a $60 million convertible note receivable.

Feb 7, 2024 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2024-02-07 | transcript 0882fb3e-e925-4223-9309-64f1700fb8f5 | chars 6028-6375 | segment 5

But, you know, more specifically in that EFT segment, we will continue to see those margins expand again, as I said earlier, because of travel recovery, which is going to bring those more high margin transactions.

Feb 7, 2024 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2024-02-07 | transcript 0882fb3e-e925-4223-9309-64f1700fb8f5 | chars 44833-45046 | segment 45

The decreases in adjusted EBITDA and operating income were the result of decreases in our most profitable international cross-border transactions, primarily driven by the decline in Croatia due to its switch from the CUNA to the euro at the beginning of this year. together with the impact of inflation, which reduced European travel budgets, leading to fewer ATM transactions.

Oct 20, 2023 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2023-10-20 | transcript c853dcb5-9e39-45ab-a72e-c674e3de399b | chars 3365-3742 | segment 3

In EFT, where Mike will elaborate in more detail, we are seeing the impacts of inflation and rising travel costs leaving consumers with fewer funds for discretionary tourism spending. Moreover, we anticipate this trend to continue into the third quarter.

Jul 26, 2023 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2023-07-26 | transcript 2df82389-c4bb-489b-b22b-ec0da61ec619 | chars 6203-6457 | segment 6

The decrease in cash is largely from $112 million of cash moved into our reactivated ATMs in preparation for the summer travel season together with approximately $28 million in share repurchases during the quarter.

May 3, 2023 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2023-05-03 | transcript 42295038-48ef-4e29-81ba-1c7a49f8c150 | chars 2699-2913 | segment 2

These results produced strong double-digit constant currency growth rates driven by strong growth from all three segments with particular reflection on the continued improvement in domestic and international cash withdrawal transactions in the EFT segment where the improved demand for travel continues following the lifting of COVID restrictions across the globe.

Feb 8, 2023 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2023-02-08 | transcript b90407bf-3735-49a3-b2f4-b97f36f35316 | chars 2396-2760 | segment 2

These strong double-digit improvements in all metrics were driven by double-digit constant currency growth from all three segments, including a strong rebound in domestic and international cash withdrawal transactions in the EFT segment, as the strong demand for travel continued following the lifting of COVID restrictions across the globe.

Oct 21, 2022 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2022-10-21 | transcript d047666a-3bee-4296-b0f7-cdebd3304ba3 | chars 2028-2369 | segment 2

We added more ATMs and reactivated nearly all of our ATMs in anticipation of a strong travel recovery.

Jul 28, 2022 / CFO / receipt, needs a key / Rick Weller, CFO | earnings call 2022-07-28 | transcript 9fc0aa33-87b5-465b-bf21-d0c3ef6ed694 | chars 4063-4165 | segment 4