Content analysis
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H.S. sophomore Avg
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New words:
aggressively, aging, Aguilar, allegedly, Alongside, Auto, Blue, brought, Canada, Canadian, certify, Chapter, checkout, CISO, Colonnade, Columbia, Complaint, complement, complemented, compounded, Court, cybersecurity, denied, destruction, District, diversification, draft, elevate, encountered, expert, fiduciary, fintech, Francisco, Hellam, horse, impractical, Indian, instant, Invasion, Israel, Kiewiet, lag, lawsuit, macro, micro, Morgan, Nearside, negligence, nonrecurring, Northern, notification, overseen, path, permissible, pioneered, Plastiq, PLV, pool, QR, Recoupment, rectified, regular, regularly, Repair, repeated, Republic, restitution, restructure, restructured, restructuring, role, Rupee, scarce, Sean, shortfall, Side, SOX, specialist, stalking, stewardship, threat, Tier, Title, Tobacco, Torch, touch, tradename, transmit, transmitted, transparency, true, unchanged, unclear, unconditionally, undetected, unprofitable, unwind, unwinding, usury, vital, Wine, wrongdoing, Wyatt
Removed:
achievement, affiliated, amounted, announced, benchmark, bid, billable, buyout, calculate, calculating, cease, codified, collateralized, commenced, connected, consecutive, covering, diminished, discontinued, disposal, exempt, exist, extinguishment, extreme, FCA, generating, home, ICE, insight, institutional, interfacing, invested, Kingdom, leased, leasehold, lessee, line, met, nominal, opening, originated, outbreak, overnight, penetrated, phase, PIK, proper, publishing, pull, quotation, recession, recognizing, recommended, refinanced, regulator, reimbursable, remained, rental, RentPayment, safety, shorter, subordinated, Supplemental, tenured, trained, treat, unaudited, unconsolidated, undistributed, unexpired, upside, whichever, worked, write
Financial report summary
?Risks
- Risk Factors Related to Our Business
- Unauthorized access to our systems or unauthorized disclosure of merchant or cardholder data, whether through breach of our computer systems, computer viruses, or otherwise, could expose us to liability, protracted and costly litigation and damage our reputation.
- Our systems or our third-party providers' systems may fail, which could interrupt our service, cause us to lose business, increase our costs and expose us to liability.
- The payment processing industry is highly competitive and such competition is likely to increase, which may adversely influence the prices we can charge to merchants for our services and the compensation we must pay to our distribution partners, and as a result, our profit margins.
- Acquisitions create certain risks and may adversely affect our business, financial condition, or results of operations.
- Fraud by merchants or others could cause us to incur losses.
- The loss of, for example, key personnel or of our ability to attract, recruit, retain and develop qualified employees could adversely affect our business, financial condition and results of operations.
- We may be responsible for the actions of our vendors in some circumstances.
- We may not be able to successfully manage our intellectual property and may be subject to infringement claims.
- Our risk management policies and procedures may not be fully effective in mitigating our risk exposure in all market environments or against all types of risks.
- The financial services industry continues to be highly regulated and subject to new laws or regulations in many jurisdictions, including the U.S. states in which we operate, which could restrict the products and services we offer, impose additional compliance costs on us, render our current operations unprofitable or even prohibit our current or future operations.
- Disruptions or security failures in our information technology systems, including as a result of cybersecurity incidents, could create liability for us and/or limit our ability to effectively monitor, operate and control our operations and adversely affect our reputation, business, financial condition, results of operation and cash flows.