good Thanks, morning everybody. Warren, and
basis, was focus XX% versus for the revenue quarter, a broad-based this and business robust XX%, ongoing term. our a non-GAAP drivers on in results the business execution, up On our strong across board investment EPS drove we long So reflects year ago. growth and currency-neutral up
signs is monitoring macroeconomic obviously, on is with versus negotiations some ongoing solid with business consumer else, our XXXX. like geopolitical auto, gas, economic remains of with confidence. SpendingPulse moderation showing and We pretty versus the weighing is That kind year unchanged. quarter, factors and that particular. other according the of X.X% at relatively economic ago U.S. and everyone were Retail On view are environment, unemployment consistent spending strong ex trade estimates. remains sales stable in ex growing consumer a And the to sentiment growth our prior which low
see we Europe, modest In growth overall.
estimates being television. total monitoring the quarter SpendingPulse obviously in the negatively trade were In which to on Third the are of potential of UK in remains. the sentiment spending affecting business played Pacific, while out solid Asia region. we around negotiations, drama U.S.-China daily retail a according impact impact Brexit are uncertainty our It's the
monetary in are several We however policies accommodative to markets growth. support seeing there
new Colombia from our Brazil payment in mixed that, are America, And services markets and in is like flows. areas weakness countries the across the driving Latin and some volume Argentina and with with core double-digit positive signs of our Mastercard transaction and most growth Mexico. against we and product for healthy That's momentum in in in outlook showing backdrop,
So highlights. some into let's dive recent business
our business. on to build to pleased Citi services use will driving these and us branded with agreement small clients, I partner Citi's on development commercial. provided consumer and BXB initiatives, payments digital We're five trade extended and our on decade of payment Citi next our continuing joint together. including also to marketing Treasury announce Citi's prepaid debit new the think growing to that the solutions group new growth upon remain position with First, credit, to an have core over and businesses together relationships efforts we global consumer and we the corporate debit, credit, where exclusive through debit, customer growth together, are for the continue in core and gateway. renewed working I'm expand products, partner are additional closely products Mastercard's and we through even across with strong with partnership of more our global With this of driving we XXXX. And solutions Citi's years in breadth credit
value Hong and on deal and also base. card includes multi-currency that bring the Kong is partnership leverages of customer for debit We've across and HSBC Rewards segment like like the extended portfolio global a high-net-worth our its which Loyalty that MasterCard last its Mastercard launched Lab with premier month. in and in products credit another growth that customers drive great HSBC Advisors, focused HSBC card the on several the account existing to UK launched builds to we our example services its
With brand small Bank debit business have of card. we renewed of and the travel and forward credit our the and on States, business including exclusivity many across consumer credit United business small issuance of lines America, small and expanded in business the
our United continued with primary in in and together debit outside work States. the new the will growth particular of on business, as business We towards commercial Mastercard network commercial
America to our to capabilities enhanced next Track being Mastercard of payable BXB has its in clients Bank account Additionally, bringing the United committed Hub customers States.
our offer Block capabilities and tools. prepaid fraud be data its renewed APT to has cards Test & and H&R additionally, new agreement Mastercard piloting we'll Learn
become consumer UniCredit million Italy debit quarter, further this making in won the more they're preferred the of converting a expanded Sanpaol Europe, X than We've portfolio Pan-European with in [ph] cards which Mastercard agreement to BMW progress is committed On and co-brand Intesa partner. to extending co-brand credit Maestro relationship also we U.S. its debit. flip to front with our our
like building partners of markets, issuers, diverse momentum on are other our telcos. and merchants we In
mobile QR across Airlines, credit and exclusively cards largest from won wallets executed for that the Africa be markets deal where converting virtual markets see and Latin IndiGo cards we several Airtel exclusive Scotiabank can in capabilities where will there. India, Mastercard. an we'll consumer a Caribbean network use co-brand with in regional You airline; prepaid where we've America with country's XX Mastercard's it's and debit In in to
our related Brex. specifically Now expanded we've to our business, with relationship commercial core
their You XX-year know space, We've Bank them network as will Emirates credit commercial the deal the exclusive the be with we a network preferred be in now UAE. in inked U.S. an to across Islamic innovator corporate also its and
local the And receive partner approval bank branded to cards switching we we with Internet transaction that central to to with largest in our the have are Artajasa. domestic efforts increase domestic begun debit an switch, Indonesia network switches to agreement our switch Mastercard the first national through and
live across connected Stripe. which mobile and the Our Movember, a enabling the Cinemark EMV FIS checkout web are the with U.S. the mobile devices. initiatives name is the Rocket most such payments, current secure apps digital experience and at together secure click-to-pay, standard to commerce for now partners in aiming is remote Time, first the global IDM, sites, distribution as merchants and launch faster,
half click-to-pay, We learning NuDetect, are access Mastercard's when benefit would consumer merchant XXXX merchant layer of Mastercard first a solution an on planning out a to with Mastercard added check that has for the partners from artificial click-to-pay. broader in of market machine provides security launch a automatic using and intelligence to
by of cards several these by an Revolut couple relationships and existing in front, around in new year, years to partnership customers end very in On include a first support and winning who globe of launch and And with the strengthened deals Latin we've needs. our its followed Mastercard U.S. global issuer Europe has and markets have and specific leveraging Mastercard other the examples by new the which expanded for partnerships been across will the America. Asia-Pacific technology the ways fintech a
Mastercard to Mastercard selected be also debit chosen has Monzo debit programs. And its launch. for and partner its its for U.S. credit SoFi has exclusive
Now, range growth easy fund of Accelerate program through programs solutions, additionally, to we a API engagement Start development the platform and our fintechs U.S., support our providing including our expanded with stages all our access and to start-up of programs with local digital Path.
intent a in capitalize acquire the global multiple quarter, clearing you solution the Nordics customers as providing capabilities, and instant set services flows we as new this announced our operate allow we've real-time of the flows e-billing services our the know and offerings on payment with a our broad for of our acquired to one-stop payment large payment differentiate new Corporate Nets' and address In opportunity. across our payments businesses us rails and developed together as card choice to shop we which and and In rails.
three services ACH experience. Real-time would traditional infrastructure payments a for to richer from all cash layers to provide our complement and existing you checks recall applications across which value-added of offer bring trails. believe Day our strategy, for strengthen We data, faster end-users user efficiency, payment much and will better and alternative and smarter Investor a capabilities much account as Nets and
PXX Peru, the talked real-time to in calls wins, including payments builds this prior and real-time Now batch payment on our these to in Saudi Nordics. Philippines, Arabia upon Day. Investor partnership and and in the about We've earnings prior deliver
BXB are our signing America U.S. in already we the BXB up mentioned Hub the meantime, progressing initiatives. Bank the In I for of
involved Hawaiian also accounts businesses data, Mastercard agreed and BXB discussed First rails. solve Business companies complexities Day, to single rules, with set known payment and provide accounts access receivables, help and customer. will as a to Track and And a both types our are addressing their more rich the they To business standards payments, be offer payments find operate service to Payment of we at remittance has we Investor payable Bank that for comprehensively, within Service. this full need and with connection pay, with multiple
delivering can payments use one who you real-time are paid runs store on cases rails, customers by is is efficiently. be of goods all of electronically to in and its I'm on showed who We first payment to with one BNC a through bank physical where the real-time capability invoices that announce the drivers this the the this buyers payments pleased U.S. and pilot can manage more their that delivery,
based network, also services multi-rail flows. on a offer to our account-to-account customers As we're to able
the through we have example, with from prevention benefiting for are provide VocaLink. data in anti-money laundering identification able So and our the with we view to of helps insights, and compliance U.K. broad [ph] announced them already This customers has that of financial crimes. of idea our Continuing the clearing AML crime solution for expanding services it U.S. in the financial other compliance these U.K., with Phase outside launch will house the just
And as we of there. our part the well launching these Philippines as previously payment real-time in as be announced, services infrastructure will
technology U.S.-based that acquiring a announcement solutions Before I mention for loyalty made wanted close, about end-to-end I merchants. provides company the to SessionM, we
expect customers of from management customers. others. that ability loyalty to to measurement of includes the Lowe's a and acquisition has and our consumers of provide execution for all seamless those merchant doing among PepsiCo customers, a this merchant We growing base delivering experience program to a leading complete our campaign solution, platform-based digital this SessionM strengthen to McDonald's, data starting while
this We acquisition to expect close this year.
and results operational over me Sachin? call that With an update to on metrics. financial turn let for the Sachin our
