86 unchanged sentences
If we fail to keep up with rapidly changing technologies, our products could become less competitive or obsolete.
−Removed: In our markets, technology changes rapidly, and there are continuous improvements in computer hardware, network operating systems, programming tools, programming languages, operating systems, database technologies, cloud-based technologies and the use of the Internet.
+Added: In our markets, technology changes rapidly, and there are continuous improvements in computer hardware, network operating systems, programming tools, programming languages, operating systems, database technologies, cloud-based
+Added: technologies and the use of the Internet.
If we fail to enhance our current products and develop new products in response to changes in technology or industry standards, or if we fail to bring product enhancements or new product developments to market quickly enough, our products could rapidly become less competitive or obsolete.
35 unchanged sentences
and other card authorization techniques and user verification techniques.
−Removed: Many of our anticipated competitors have greater financial, technical, marketing, professional services and other resources than we do, and industry consolidation is creating even larger competitors in many of our markets.
+Added: Many of our existing and anticipated competitors have greater financial, technical, marketing, professional services and other resources than we do, and industry consolidation is creating even larger competitors in many of our markets.
As a result, our competitors may be able to respond more quickly to new or emerging technologies and changes in customer requirements.
31 unchanged sentences
As part of our strategy, we continuously evaluate our portfolio of businesses.
−Removed: We have previously and may in the future make other changes to our portfolio as well, which may be material.
+Added: We have previously, are currently, and may in the future make other changes to our portfolio as well, which may be material.
Divestitures involve risks, including:
6 unchanged sentences
• the potential loss of key personnel;
−Removed: • adverse effects on relationships with our suppliers or their businesses,
+Added: • adverse effects on relationships with our customers, suppliers or their businesses,
• the erosion of employee morale or customer confidence;
4 unchanged sentences
For example, in September 2020, we implemented a course of action designed to reduce our operating costs in lower value, less strategic areas of our business in order to facilitate incremental investment in higher value, more strategic areas while also reducing our facilities footprint in light of anticipated post-pandemic workforce patterns.
−Removed: These and other reengineering efforts may not be successful over the long term should we fail to reduce expenses at the anticipated level, or should we fail to increase revenues to anticipated levels or at all .
+Added: In addition, we are in the process of implementing a new Remote Work Policy which will allow a portion of our workforce to partially or fully work from home.
+Added: These and other reengineering efforts may not be successful over the long term should we fail to reduce expenses at the anticipated level, should we fail to increase revenues to anticipated levels or at all, or should productivity decline or employees’ ability to collaborate fall as a result of the Remote Work Policy.
If our reengineering efforts are not successful over the long term, our revenues, results of operations and business may suffer.
95 unchanged sentences
• unfavorable tax rules or changes in tariffs and other trade barriers;
−Removed: • the presence and acceptance of varying level of business corruption in international markets;
+Added: • the presence and acceptance of varying levels of business corruption in international markets;
• terrorism, war, natural disasters and pandemics, including the COVID-19 pandemic;
49 unchanged sentences
Brazil, India, South Africa, Japan, China, Israel, Canada, and several other countries have introduced and, in some cases, enacted, similar privacy and data security laws.
−Removed: The California Consumer Privacy Act of 2018, which was enacted on June 28, 2018 and became effective on January 1, 2020, gives California residents certain privacy rights in the collection and disclosure of their personal information and requires businesses to make certain disclosures and take certain other acts in furtherance of those rights.
+Added: The California Consumer Privacy Act of 2018 (“CCPA”) gives California residents certain privacy rights in the collection and disclosure of their personal information and requires businesses to make certain disclosures and take certain other acts in furtherance of those rights.
+Added: A new privacy law, the California Privacy Rights Act (“CPRA”), passed via a ballot referendum in November 2020, and will revise and expand the scope of the CCPA.
+Added: states have considered and/or enacted similar privacy laws.
The costs and other burdens of compliance with privacy and data security laws and regulations could negatively impact the use and adoption of our solutions and reduce overall demand for them.
87 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.