David Togut

“Appreciate the update on new product launches for Clover, and also the vertical market expansion into services and retail. Could you update us on the international expansion in Brazil and Mexico?”

“Great to see Clover revenue growth sustained at 30% with accelerating payment volume growth and higher VAS attach rates.”

“Good to see the continued acceleration of Clover growth. I'll ask my question in the follow-up, both upfront. So first is a 4 PPT increase in the organic revenue growth guide for 2024, it looks like about three points of that relate specifically to an increase in Argentina inflation.”

“Good to see the acceleration in Clover revenue growth and the increased penetration of value-added services. Could you just drill down into what you see as the biggest drivers of growth in value-added services going forward, taking you to the model you’ve laid out for 2025?”

“Good to see the acceleration in Clover revenue growth. Noting the long-term plan to continue to accelerate Clover revenue growth, if we zoom in a little closer on to the next, let's say, 6 to 12 months, would you expect this trend to continue?”