References in this report to "we," "our," "us," the "Company" and "Euronet" refer to Euronet Worldwide, Inc.
−Removed: and its subsidiaries unless the context indicates otherwise.
+Added: and its subsidiari es unless the context indicates otherwise.
Business Overview
15 unchanged sentences
We operate a network that includes approximately 816,000 POS terminals that enable electronic processing of prepaid mobile airtime "top-up" services and other digital media content in Europe, the Middle East, Asia Pacific, the United States and South America.
−Removed: We also provide vouchers and physical gift fulfil lment services in Europe, gift card distribution and processing services in most of our markets and digital code distribution in a growing number of markets.
+Added: We also provide vouchers and physical gift fulfillment services in Europe, gift card distribution and processing services in most of our markets and digital code distribution in a growing number of markets.
In 2022, the epay Segment accounted for approximately 30% of Euronet's consolidated revenues.
38 unchanged sentences
As of December 31, 2022 , we operated 45,009 ATMs compared to 42,713 at December 31, 2021.
−Removed: The increase was largely due to the reactivation of ATMs that were temporarily closed in response to the COVID-19 pandemic related tourism disruptions.
We monitor the number of transactions made by cardholders on our network.
233 unchanged sentences
Ria and IME provide consumer-to-consumer money transfer services through a global network of more than 522,000 locations and our websites riamoneytransfer.com and online.imeremit.com.
−Removed: Most of our money transfers are originated through sending agents in approximately 48 countries, with money transfer delivery completed in 165 countries.
+Added: We sent money transfers from approximately 120 countries, with money transfer delivery completed in 158 countries.
The initiation of a consumer money transfer occurs through retail agents, Company-owned stores or online, while the delivery of money transfers can occur with bank correspondents, retailer agents or from certain ATMs.
88 unchanged sentences
and increased obligations around the management of operational and security risk and the notification of incidents, increased obligations relating to complaints handling and additional requirements regarding payment security.
−Removed: PSD2 as implemented in some member states also resulted in some of our European licensed institutions needing to go through a re-authorisation process.
+Added: PSD2 as implemented in some member states also resulted in some of our European licensed institutions needing to go through a re-authorization process.
PSD2 requires a license to perform certain defined "payment services" in a European Economic Area (“EEA”) Member State and such license may be extended throughout other Member States of the EEA through passporting of the license (either on a freedom of service or freedom of establishment basis).
185 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.