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    Aditya Buddhavarapu • Bank of America

    Aditya Buddhavarapu's questions to Paysafe Ltd (PSFE) leadership

    Aditya Buddhavarapu's questions to Paysafe Ltd (PSFE) leadership • Q2 2025

    Question

    Aditya Buddhavarapu from Bank of America sought to understand e-commerce growth drivers, specifically the split between geographic expansion and market share gains. He also asked about the competitive landscape and the potential role of stablecoins in the digital wallet strategy.

    Answer

    CEO Bruce Lowthers attributed some e-commerce growth to geographic expansion, particularly cross-selling into Europe. He described the market as highly competitive but noted Paysafe's small share presents a large growth opportunity. Regarding stablecoins, he stated that Paysafe has used them for years for crypto-to-fiat conversions and does not see them as a dramatic change to the business, likening them to 'prepaid without acceptance.'

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    Aditya Buddhavarapu's questions to Paysafe Ltd (PSFE) leadership • Q4 2024

    Question

    Aditya Buddhavarapu questioned the key drivers behind the low single-digit growth forecast for Digital Wallets in 2025 and its medium-term outlook. He also asked about the potential for further internal efficiencies to self-fund investments and any specific areas the new CFO had identified.

    Answer

    CEO Bruce Lowthers attributed Digital Wallet growth to rising transactions per account (TPA) and ARPU, driven by usability improvements, and noted the classic wallet user base surpassed 1 million. CFO John Crawford described efficiency gains as a 'redeployment' of spend from back-office functions to front-office growth drivers like sales and marketing, driven by ongoing systems migration projects.

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