Ryan Wallace | executive |
James Chriss | executive |
Gabrielle Rabinovitch | executive |
Tien-Tsin Huang | analyst |
Ramsey El-Assal | analyst |
Darrin Peller | analyst |
Michael Ng | analyst |
Jason Kupferberg | analyst |
James Faucette | analyst |
Good evening. My name is Krista, and I'll be your conference operator today. At this time, I would like to welcome everyone to the PayPal Holdings Earnings Conference Call for the Third Quarter 2023. [Operator Instructions] Thank you. I would now like to introduce your host for today's call, Ryan Wallace, Head of Investor Relations.