Owen Lau

“Please go ahead. good morning and thank you for taking my question so first of all uh congrats on the quarter and congrats on the successful ipo for my question could you please talk about the adoption of usbc in remittance i i know you have some partnerships with remittance companies but some other are thinking about…”

“Could you please give us an update of thought on attacking the globalization theme? Is there anything you would do differently over the next 12 months, and how do you plan to capture this opportunity here?”

“So let's continue with the mobility conversation. You raised the revenue guidance, which is great, but there may be some pull forward for other activities in the first half which could normalize in the second half.”

“So for university funding cuts, which is still a hot topic um i saw that 75 of your 2025 subscriptions have already been renewed in july which is good but could you please give us more color on your conversation with your clients about the current situation so far and our look for renewal in the second half and going…”

“I actually have two quick questions here. The first one is, could you please talk about how do you bridge the flat build basis to zero to four percent ratings revenue growth?”