Our customers continue to be discerning in their discretionary purchases, particularly in larger ticket categories such as home furnishings, travel, and entertainment.

Jul 17, 2024 / CEO / receipt, needs a key / Brian Doubles, CEO | earnings call 2024-07-17 | transcript 94300cfe-cf7d-4b97-be06-7aedf6db30d0 | chars 4801-4968 | segment 4

Overall, consumers focused on more non-discretionary spend in the quarter and shifted out of certain discretionary categories like home furnishings, travel, and entertainment.

Apr 24, 2024 / CEO / receipt, needs a key / Brian Doubles, CEO | earnings call 2024-04-24 | transcript 9160e719-4c48-41f7-bf7a-ba58df33ff81 | chars 5273-5448 | segment 5

Looking at our out-of-partner spend, our customers are becoming more selective in making larger purchases, including home furnishings and electronics, and spending less on travel.

Oct 24, 2023 / CEO / receipt, needs a key / Brian Doubles, CEO | earnings call 2023-10-24 | transcript 0607dff4-9f9a-4606-a0b0-9864cba1fe02 | chars 4797-4976 | segment 4

As we would expect, there have been some modest seasonal shifts among a few of the major categories in favor of more education-related spend and less travel and entertainment spend.

Oct 25, 2022 / CEO / receipt, needs a key / Brian Doubles, CEO | earnings call 2022-10-25 | transcript f192bea3-6e19-4064-98d3-6eb886a643cc | chars 9279-9460 | segment 8