**Pieter van der Does
Co-Founder, Co-CEO & Member of Management Board**
All right. Welcome, everybody, and good to see you here in Amsterdam.
It has been two years since we last held our Capital Markets Day, and I think it’s safe to say that the world has changed quite a bit during that time. Artificial Intelligence, in particular, has transformed the way businesses operate, how people interact, and unfortunately for us, how fraudsters conduct their activities.
Another significant change has been in regulations. As a highly regulated company, we face evolving rules all over the world. We are expected to respond to these changes with resilience and agility.
Meanwhile, global commerce continues to grow, and both consumers and merchants expect instant innovation from us.
That sounds like a daunting environment to work in, but I…
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