Harshita Rawat

“Michael, I want to ask about Agentix Commerce. A lot has been happening here, and it feels like there's a lot of patchwork of checkout options ranging from single-use virtual cards to wallets.”

“Ryan, I want to follow up on your comments on visa, cyber-related services. In the current environment, what kind of demand are you seeing on both your visa transaction-related services and also for cyber and risk beyond visa transactions, And A2A or even in areas like KYC, identity, et cetera.”

“Can you maybe expand upon the market dynamics in Europe? You have the de-minimus drags and competitive pressures in certain markets, but then you're also investing in the consumer value proposition, things like buy, not pay later.”

“Can you maybe talk about your revenue growth targets? I know the organic constant currency number is essentially the same. The second quarter was very strong. Looking into the second half, you have new client wins ramping up.”

“So your implied OPEX guidance for second half has gone up. What changed versus the invested day and also the June reiteration of the guide? I know, Paul, you talked about $100 million in technology, infrastructure.”