Financial Data and Key Metrics Changes - In 2024, the company achieved 16% organic revenue growth and returned $5.5 billion to shareholders through share repurchase [15] - Adjusted operating margins expanded by 70 basis points, and adjusted earnings per share increased by 17% to $8.80, marking the 39th consecutive year of double-digit adjusted EPS growth [15] Business Line Data and Key Metrics Changes - The company is generating accelerated growth with bank partners and small to mid-sized businesses through its small business integrated suite with Clover [16] - Investments are being made in cutting-edge cloud-based account processing systems for banks, credit unions, card issuers, and fintechs [17] Market Data and Key Metrics Changes - The company is focused on extending the reach of merchant solutions, including Clover, outside of the U.S., where significant growth opportunities exist [20] - The acquisition of Payfair enhances the company's embedded finance offering, connecting merchant and financial institution ecosystems [21] Company Strategy and Development Direction - The company remains committed to expanding its portfolio of value-added solutions to deepen client relationships globally [16] - There is a focus on operational excellence and creating sustainable long-term shareholder value [18] Management's Comments on Operating Environment and Future Outlook - The management believes the company is well-constructed to thrive in both the short and long term as commerce and banking become increasingly interconnected [17] - The company is excited about the enhanced capabilities brought by recent acquisitions and plans to continue investing both through acquisitions and organically [21] Other Important Information - The board of directors has been strengthened with recent additions who bring diverse experience in strategy, innovation, and technology [19] Q&A Session Summary Question: Recent changes to the board - The board aims to maintain a highly skilled and qualified team, with recent additions bringing strong backgrounds in strategy and technology [19] Question: Recent acquisitions - The company announced four small but strategic acquisitions in Q1, focusing on extending merchant solutions and enhancing embedded finance offerings [20][21]