Content analysis
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H.S. sophomore Avg
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New words:
cohort, conclusion, consummate, content, core, countercyclical, credibility, degree, earlier, electronic, excellent, extent, inaccurate, move, prejudice, proving, receipt, referenced, replicate, restaurant, Resy, Rooam, sensitive, sensitivity, softening, supplementary, suppression, systematically, Tock, younger
Removed:
driver, labor, OptBlue, stayed
Financial report summary
?Risks
- Business and economic conditions are a major driver of our results of operations and difficult conditions in the business and economic environment may materially adversely affect our business.
- Our operating results may materially suffer because of substantial and increasingly intense competition worldwide in the payments industry.
- We face intense competition for partner relationships, which could result in a loss or renegotiation of these arrangements that could have a material adverse impact on our business and results of operations.
- Arrangements with our business partners represent a significant portion of our business. We are exposed to risks associated with our business partners, including reputational issues, business slowdowns, bankruptcies, liquidations, restructurings and consolidations, and the possible obligation to make payments to our partners.
- We face continued intense competitive pressure that may materially impact the prices we charge for accepting our cards for payment, as well as the risk of losing merchant relationships, which could have a material adverse impact on our business and results of operations.
- Surcharging or steering by merchants could materially adversely affect our business and results of operations.
- We may not be successful in our efforts to promote card usage or attract new Card Members, including through marketing and promotion, merchant acceptance and Card Member rewards and services, or to effectively control the costs of such investments, both of which may materially impact our profitability.
- Our brand and reputation are key assets of our Company, and our business may be materially affected by how we are perceived in the marketplace.
- If we are not able to successfully invest in, and compete with respect to, technological developments and new products and services across all our businesses, our revenue and profitability could be materially adversely affected.
- We may not be successful in realizing the benefits associated with our acquisitions, strategic alliances, joint ventures and investment activity, and our business and reputation could be materially adversely affected.
- A major information or cybersecurity incident or an increase in fraudulent activity could lead to reputational damage to our brand and material legal, regulatory and financial exposure, and could reduce the use and acceptance of our products and services.
- The uninterrupted operation of our information systems is critical to our success and a significant disruption could have a material adverse effect on our business and results of operations.
- Our business is subject to evolving and comprehensive government regulation and supervision, which could materially adversely affect our results of operations and financial condition.
- Litigation and regulatory actions could subject us to significant fines, penalties, judgments and/or requirements resulting in significantly increased expenses, damage to our reputation and/or a material adverse effect on our business and results of operations.
- Legal proceedings regarding provisions in our merchant contracts, including non-discrimination and honor-all-cards provisions, could have a material adverse effect on our business and result in additional litigation and/or arbitrations, changes to our merchant agreements and/or business practices, substantial monetary damages and damage to our reputation and brand.
- We rely on third-party providers for acquiring and servicing customers, technology, platforms and other services integral to the operations of our businesses. These third parties may act in ways that could materially harm our business.
- Our success is dependent on maintaining a culture of integrity and respect, the resilience of our colleagues through changes in the working environment, and upon our executive officers and other key personnel, and misconduct by or loss of personnel could materially adversely affect our business.
- If we are not able to protect our intellectual property, or successfully defend against any infringement or misappropriation assertions brought against us, our revenue and profitability could be negatively affected.
- Tax legislative initiatives or assessments could adversely affect our results of operations and financial condition.
- Our operations, business, customers and partners could be adversely affected by climate change.
- Our risk management policies and procedures, including our use of models to manage risk, may not be effective.
- We are exposed to credit risk and trends that affect Card Member spending and the ability of customers and partners to pay us, which could have a material adverse effect on our results of operations and financial condition.
- Interest rate changes could materially adversely affect our earnings.
- We are subject to capital adequacy and liquidity rules, and if we fail to meet these rules, our business would be materially adversely affected.
- We are subject to restrictions that limit our ability to pay dividends and repurchase our capital stock. Our subsidiaries are also subject to restrictions that limit their ability to pay dividends to us, which may adversely affect our liquidity.
- Adverse market conditions may significantly affect our access to, and cost of, capital and ability to meet liquidity needs.
- Any reduction in our credit ratings could increase the cost of our funding from, and restrict our access to, the capital markets and have a material adverse effect on our results of operations and financial condition.
- Adverse currency fluctuations and foreign exchange controls could decrease earnings we receive from our international operations and impact our capital.
- An inability to accept or maintain deposits due to market demand or regulatory constraints could materially adversely affect our liquidity position and our ability to fund our business.
- The value of our investments may be adversely impacted by economic, political or market conditions.
- Cybersecurity Risk Management and Strategy