afternoon, to and Fourth Union's XXXX Results Good Conference Western Financial Call. Quarter welcome
we CEO, trajectory Now tenure years my the in am under seeing as into with pleased improvements our two Evolve strategy. are our I XXXX
of growth over finish trends evidence revenue positive further the sustainable the reporting a in second Consistent and growth businesses digital stability of our for quarters is are in COVID achieving are growth year know, we the business.
It north both nearly multiple to and have decade business. health business delivered growth been of revenue improved the since fourth X% row path. the with focused plus company we XX and for quarter right you the As months, we is indeed period. retail digital a consecutive our a the X% across growth future excluding last double-digit on indicator strong has transaction strongest transaction transaction returning adjusted has the our Today, to our with quarter. that recovery The transaction on and retail
with in change the in, quarter and both Philippines, at show can change are our see in We meaningful, trajectory. Mexico, looking significant is last trajectory XX picture, months. improvements the considerable transaction the at you the over trends, whether France corridors widespread world pleased the Digging growth to level U.S. to Africa to rates looking the same these a in or this
this our experience, months As processes the streamline is customer and work improved driving outcomes. operational graph to XX illustrates, our improve last our our accelerate over market effectiveness significantly
and increases like Our experiences profitable revenue quarter industry-leading achieving agent XXXX by enhance business, stabilize sustainable, digital our past our offerings, we customer confidence our each and business did this expand we growth retail ecosystem our in as margins quarter. accelerate maintain
shareholders million upper cash another produced with via allowed guidance. $X.XX, up the from For a year flow earnings history billion, buybacks. the in million basis compared strong and stock EPS $XXX of ] to a cash end share us XX% year. and returned $X.XXX fourth Adjusted to the contribution of was shareholders, of Solutions when period [ to returning last at Business achieve dividends same the per our of operating capital we reflecting Maintaining currency to quarter, a which on X% excluding reached of $XXX basis solid constant our came long our revenue flow year-over-year on our increase
XXXX more margins XX% returns will outlook Day at our financial to later in results discuss XXXX, funded continuing further Matt the to have discussed Investor detail XX% strong our in capital in our maintaining our investors. date, this all call. and and adjusted to while transformation provide our we we required of in our As investments
In priorities. strategic addition results, to to financial our continue on we well execute improving
meaningful last and the the our agent retail enhancing including important our overall experiences most marketplace. proposition platforms and our operations, improving customer year, updating value strategy, initiatives, made progress and on we in our go-to-market have refining Over our digital
have customer While I receipts retail our to remember In and debit of have journey enhanced year.
Starting agent capabilities. our last past over made payment payout point-of-sale from XX we over, experience trends and while more see system significantly resend, made and with to in XXXX, digital would groundbreaking, is account enhancements our highlights contributed like to retail with quick like enablement, not functionalities share some improvements, this These transaction to retail improvements the months. you our the business. not me, competitive our material new the
we the continue these to in out functionalities Additionally, anticipate across and further XXXX. globe benefits will roll
creates addition experience XXX can that company.
In Union business. been XXX increased strategy, in stores, and In our progress region exclusive new a by a Argentina has concept Brazil owned owned XXXX, locations, new in largely services an XX%. both experience by opened we to control and new with improvements, strategy, enabling This Latin and new the American in Recall and and point-of-sale customer which believe significant XXXX, low-cost more prior made locations acquisition LACA, expanded controlled both also controlled Western distribution products over our expanding the in Europe, concept to we our we was the now to test networks East engine for Middle have we strategy which includes which APAC. on distribution phenomena high-impact owned in over our digital stores every
digital to controlled our a drive roughly costs. locations This also and increase go-to-market Union our openings, store has digital message XX digital omni-channel now our digital marketing distribution retail customers.
To the around In in conversion value American improve our a implementing European complement brand messages world acquisition and presenting while customer Western new retail wallet launching rates, proposition our us more in addition our one strategy. high-impact countries lowering app materially our format strategy our XX,XXX year, to Latin launching including globe, a last four to to enhance our traffic contemporary and updated digital the we around country our capabilities, platforms, allowed next-generation new with new and strategy, also more we enhanced
As new digits costs to XX%. over were the for customer digital customers evidence this, same able we by acquisition continued digital of transactions. at scalable, grow new lowering cost-effective double foundation of customer double-digit in the new while acquisition is XXXX, time, our growth The
to both the key agent we Given and experiences. customer These made and significant we operational customer calls Last retention. driver is improvement will center powerful fewer of resulted ongoing agent our millions performance and changes satisfaction. and our of on, and ultimately improvements a are journey agent improved year, lead across elements in in to changes customer phone of satisfaction call
the For on tools get self-service through their over can at we locations on transfer app, customers whether status app Track active XXX,XXX Union example, initiated regardless our a like retail world. the around Transfer improved that was than of that more updates so mobile integrate to channels Western or across transfer the
year, European will we end U.S. rates the XXXX, to gap focus double-digit throughout customers This The revised transactions. onboarding retail [ second are some holistically time seasonal for The in achieve subsequent actions you rates digital strategy, program promotional As customer program we holiday on included improved and the believe started focus with revised marketing for and first many recall, and happy retail to funnel the of to transaction the occurred rolling third and future. we now XXXX, results and and of a geographic-specific on has of corridor program near new the will are double-digit go-to-market year.
Likewise, growth these such, in strategy. anniversary initiatives. rolling and ] promotions expect the also our to growth stable helped transaction side, location of a deliver pricing the in producing.
We reinforced our quarters By majority belief productivity. these first in pricing processes, business XXXX. that the on out transaction have can effectiveness, marketing, led strategy that of has between go-to-market we pricing began included we revenue out and narrow new they the growth new new market-based positive both growth the our and on last retail late growth us changes last we years a this launches the as throughout year and That continue quarter complement and
funnel seen led basis right have type This our highest five have the in improvement, anywhere and years.
APAC One year-over-year the of some most distribution strategy from revenue in keen the decline that was have on been experience. advancing have digital our business that of our last over in expectations management agent region region, double-digit focus growth. changes of We launch will us highest can improved Transaction or we immensely growth see, is believe when has they rates technology, efforts in and APAC right X,XXX early rates new of user the returning help digital right This our rates points year and XXXX. growth Australia. has region great have growth a has implemented in distribution. cyclical app, significant through meet digital over every by regions a you the in interface and customer next-generation of for the been APAC customer quarter rates, digital to the these controlled of the conversion change world, transaction more you the and the now benefited our
committed remittance ahead, also market business, there is to expand our Looking done, of diligently be ongoing remittances. we the the cross-border to work addressable more total our improvement team continuous is are beyond core and working while to
in payment a added Xx currency and Australia conversion to products Europe nearly of of business, lending and XXX reach XX,XXX the and wallet the currently aspiring world. have the our bill our the XXX,XXX our Argentina. that our strategy that our additional order now and on select wallet, have in locations creating in in business, our across APAC. includes over products delivering needs customers We card, digital our distribution have and debit and over services Argentina the we of launched of retail populations prepaid customers, Given like services trust brand, we Europe strength digital million onboarded cater and we money business are and focused This to the of recently
about have XX% XX last which substantial over last the on up generates over been as Growth and asset proposition, revenue years business, for value with continuing a revamped to system its has improved that order in business for principal services referred excited the up on we of this business point-of-sale product investable X/X money horizon, to has couple consumer growth retail months over Other and of With focused strong $XXX formerly distribution grown in roughly revenue, new ahead. a in assets million. Our see portfolio. financials. accounts substantially assets we our investable This now the on our important are nearly a
not in As our of this build growth time. wallets seek that continue to acquisition journey, customers' our an stronger goal and customer increase is only but will loyalty drive also we enable to financial over us opportunities portion our organic
the we of As are key this and very in XXXX the to one continue market believe pillars we Evolve strategy, accordingly. of we'll of our expansion innings invest opportunity, early
Finally, like into highlighting briefly and we fourth talk new partnership quarter. automation the about that in I our journey would to entered
risk have our and improved reduction. resulting efficiencies, innovation higher We of capabilities, output, in continued long customer history quality and automation a to agent and expand cost experiences have
made customer Over refund name the and and exception process years, in significant credit proactive we decisioning, building have automation, agent risk receiver changes. agent investments increases past processing, reactivation, collections in two capabilities limit robotic
cost the to manual led also elimination outputs processes drives of have the better of efficiencies and the quality While experiences. speed
intelligence decisioning, including price are content have translation approach AI to marketing customer assistance We robotics exploring software taking ways a now similar areas with and use care to in artificial services. like generative as development, we creation,
relationship we strategic relationship shareholders.
Last, with the provide collaboration and and Union, further to While announce between issuance, and long-term companies this increase the pleased come. expansion long-term regions. Visa value across early we we partner believe two This meaningful our enables improve relationship to time been has strategic a and years countries covers and extend of to five has to journey, Visa. Visa the to potential thrilled of are global additional further for over Direct thus XX Western are a efficiency generative in AI our revenue, productivity
we Looking our have ahead, optimistic positive and we progress direction about strategic remain the made.
and are line trajectory the results continuing by retail change our with in of across both We top improved transaction business improved driven flow. pleased the to deliver strong cash digital trends businesses underlying and while
our now on through executives the was the XXX us and allow of XXXX done company. both progress strategy. believe we evolution, also a the promotions and internal have to top We I substantial to talent right people Evolve right the our made on including in external hires, meaningful This realignment roles have at execute
customer brand We a and trust our base values have services. loyal that our
and We the around relevance have unparalleled provides transaction a a turnaround brand. convenience now and our our achieved validating world global and to offering have the nearly access million network people that thus XXX trends, in of
now we a opportunities. dedicated early that We and focused have I vision joining you clear right the and strategy on discuss our more our will detail. to call capabilities, and our right and leverage next in the revenue progress mindset talented am right over financial is driving year assets to new I call can that we strategy, results forecast for and a have Matt to for on team executing innovation priorities.
Thank achieve growth team how right the turn today. the our to and create have strategic we our streams the and confident the
