RumbleON, Inc. (NASDAQ:RMBL) Fourth Quarter and Full Year 2022 Earnings Conference Call March 16, 2023 8:30 AM ET Company Participants William Newell - Investor Relations Marshall Chesrown - Chairman and Chief Executive Officer Blake Lawson - Chief Financial Officer Conference Call Participants Eric Wold - B. Riley Securities Craig Kennison - Baird Seth Basham - Wedbush Securities Frederick Wightman - Wolfe Research Operator Greetings, and welcome to the RumbleON, Inc. Fourth Quarter and Full Year 2022 Earn ...

Carrier Global Corporation (NYSE:CARR) J.P. Morgan 2023 Industrials Conference March 15, 2023 3:50 PM ET Company Participants David Gitlin - CEO Samuel Pearlstein - Head, IR Conference Call Participants Steve Tusa - JPMorgan Steve Tusa Okay. I think this is the last one of the day at least for me. We're finishing out here with Carrier and CEO, Dave Gitlin, as well as Samuel Pearlstein, IR rep. Dave's going to open it up with a few comments, and then we'll go right to Q&A. Dave? David Gitlin Steve, thanks so ...

AbbVie Inc. (NYSE:ABBV) Barclays Global Healthcare Conference Call March 15, 2023 1:35 PM ET Company Participants Robert Michael - Vice Chairman & President Scott Reents - Senior Vice President & Chief Financial Officer Jeff Stewart - Executive Vice President & Chief Commercial Officer Roopal Thakkar - Development & Regulatory Affairs Conference Call Participants Carter Gould - Barclays Carter Gould Hi, good afternoon. Welcome to the Day 2 of the Barclays Global Healthcare Conference. My name is Carter Goul ...

PayPal Holdings, Inc. Conference Call Summary Company Overview - **Company**: PayPal Holdings, Inc. (NASDAQ: PYPL) - **Event**: Wolfe FinTech Forum - **Date**: March 15, 2023 - **Participants**: John Kim (Chief Product Officer), Gabrielle (Acting CFO), Darrin Peller (Wolfe Research) Key Points Industry and Company Insights - PayPal is positioned as a significant player in the fintech industry, with a focus on enhancing merchant and consumer experiences through innovative product offerings [1][2] - The company has a marketplace model with **35 million merchants** and **400 million users**, indicating a vast network that can be leveraged for mutual benefits [11] Core Themes and Opportunities - **Marketplace Dynamics**: There is a need to enhance the value proposition for both consumers and merchants within the PayPal ecosystem. Consumers currently perceive limited value beyond convenience, while merchants seek more actionable insights and support [11] - **Data Utilization**: PayPal aims to productize its data to facilitate innovation and improve experiences for both sides of the marketplace [11] - **Checkout Experience**: Improving the checkout process is a priority, with initiatives aimed at reducing friction and enhancing conversion rates for merchants [12][27] Product Development Focus - **Merchant Solutions**: Emphasis on optimizing Braintree products and improving authorization rates, which are critical for merchant profitability [13][14] - **Consumer Experience**: The development of features like one-click checkout and package tracking to enhance user engagement and satisfaction [28][30] - **Mobile App Strategy**: The PayPal app is critical for driving consumer engagement, with plans to introduce new features that enhance security and usability [39] Competitive Landscape - PayPal faces competition from various payment solutions, including Apple and other alternative payment providers. The company aims to differentiate itself by simplifying the checkout process and providing a seamless user experience [57][61] Future Goals and Measurement of Success - The overarching goal is to transition PayPal from a tools company to a data and AI-driven company, optimizing experiences for both merchants and consumers [64] - Success will be measured by year-over-year growth in user activity rates, increased selection, and improved conversion rates [64] Additional Insights - **Venmo Integration**: There is significant potential for enhancing Venmo's capabilities, particularly in group payments and teen accounts, to drive user engagement [50] - **Business Profiles**: Millions of merchants have signed up for Business Profiles, indicating a strong interest in being discovered through PayPal's platform [50] - **Consumer Discovery**: PayPal plans to enhance the discovery aspect of its services, allowing users to find relevant merchants and services based on their transaction data [44] This summary encapsulates the key discussions and insights from the PayPal conference call, highlighting the company's strategic direction and focus areas for growth and innovation in the fintech landscape.

The Kroger Co. (NYSE:KR) Bank of America 2023 Consumer & Retail Conference Call March 15, 2023 1:00 PM ET Company Participants Rodney McMullen - Chairman and Chief Executive Officer Rob Quast - Investor Relations Conference Call Participants Robby Ohmes - Bank of America Securities Kendall Toscano - Bank of America Securities Robby Ohmes I am Robby Ohmes from BofA Securities. Kendall Toscano and I are just very pleased to have Rodney McMullen, Chairman and CEO of Kroger here with us today. Rob Quast is here ...

Gilead Sciences, Inc. (NASDAQ:GILD) Barclays 2023 Global Healthcare Conference March 15, 2023 10:00 AM ET Company Participants Merdad Parsey - Chief Medical Officer Conference Call Participants Carter Gould - Barclays Carter Gould Good morning, and welcome to day two of the Barclays Global Healthcare Conference. My name is Carter Gould, senior biopharma analyst. I’m pleased to welcome Gilead to the major screen here. Merdad, if you probably can't see it or maybe you can, you're about 20 feet tall, you’re be ...

3M Company (NYSE:MMM) J.P. Morgan 2023 Industrials Conference March 15, 2023 9:50 AM ET Company Participants Monish Patolawala - EVP, CFO & Transformation Officer Conference Call Participants Steve Tusa - J.P. Morgan Steve Tusa Hey, everyone. My name is Steve Tusa. I'm the Electrical Equipment And Multi-Industry Analyst here at J.P. Morgan. Welcome to day two of the J.P. Morgan Industrials Conference. We're very pleased to kick it off today with 3M and Monish Patolawala, who's the CFO at 3M. Monish has a fe ...

Visa Inc. (NYSE:V) Wolfe FinTech Forum March 15, 2023 9:20 AM ET Company Participants Vasant Prabhu - Vice Chairman and CFO Conference Call Participants Darrin Peller - Analyst Darrin Peller Hey, guys, thank you again for joining us again. I'm Darrin Peller covering FinTech and payments at Wolf Research. Joining us for day 2 of the Wolfe FinTech Forum. We're really happy to have Visa, which is our topic. As many of you guys know, it's been our topic now for some time. With us, we have the CFO, Vasant Prabhu ...

CSX Corp (NASDAQ:CSX) JPMorgan 2023 Industrials March 15, 2023 8:00 AM ET Company Participants Sean Pelkey - EVP & CFO Conference Call Participants Brian Ossenbeck - JPMorgan Chase & Co. Brian Ossenbeck Good morning. Thank you all for joining us here on Day 2 of the transport track of the JPMorgan Industrial Conference. I'm Brian Ossenbeck, I cover the group for the bank. Very happy to kick off Day 2 here with CSX and CFO, Sean Pelkey, also have Matt Korn and the audience from IR. So Sean's got some slides, ...

Regeneron Pharmaceuticals, Inc. (NASDAQ:REGN) Barclays Global Healthcare Conference March 15, 2023 9:00 AM ET Company Participants Ryan Crowe - Vice President of Investor Relations Robert Landry - Chief Financial Officer Conference Call Participants Carter Gould - Barclays Carter Gould [Technical difficulty] -- Barclays Global Healthcare Conference. My name is Carter Gould, senior biopharma analyst, here at Barclays. I am pleased to welcome Regeneron Pharmaceuticals to the stage to help us kickoff the day. ...