Ryan Wallace | executive |
James Chriss | executive |
Jamie Miller | executive |
Tien-Tsin Huang | analyst |
Jason Kupferberg | analyst |
Darrin Peller | analyst |
Michael Ng | analyst |
Ramsey El-Assal | analyst |
James Faucette | analyst |
David Togut | analyst |
Sanjay Sakhrani | analyst |
Good afternoon. My name is Sarah, and I will be your conference operator today. At this time, I would like to welcome everyone to PayPal Holdings Earnings Conference Call for the Fourth Quarter 2023. [Operator Instructions]
I would now like to introduce your host for today's call, Ryan Wallace, Head of Investor Relations.