James Faucette

how we should think about this type of product-driven acquisitions. Is this really where we should think about Accenture being focused

One of the questions that we get from investors a lot is around pricing particularly on a like-for-like basis and how that may be evolving

how should we think about, like, the mix between what we could think of as proof of concept type engagements versus going into full production

How is the pricing of those projects evolving? Has the velocity of projects transitioning from proof of concept to production changed

I'm wondering if you can give us a little bit of detail where that investment is going

how are you feeling about any change that you may need to make or want to make in terms of types of companies or skill sets

are you anticipating that we're going to be able to maintain that organic growth rate even on a year-over-year basis

how would you characterize it geographically or industry vertical? Just trying to get a little more color there

Can you give a little bit of color of how that's developing with your software partners?

I'm wondering if you can help us maybe generalize what you're seeing in consulting bookings and if there's a change there

Where are we at from that perspective? Or do you feel like we're in a pretty good overall cash position and continue to be able to do that

How is that attach trending? And I think more specifically, you introduced a fee-free Earned Wage Access program with DailyPay a few years ago

how that's impacting your kind of sales channel management and forecasting. Just are you seeing improvements? Does it become more reliable? Or does it become more difficult

I'm just a little surprised because it seems like you guys are driving even better growth off of a higher base than a lot of your peers

are you seeing any shifts in preference towards lower cost benefit plans, particularly as there's a little bit of macro pressure

I'm wondering if you can just give us an update on service and sales efficiency efforts with some of your GenAI projects

What specifically did you see in the quarter on that latter point? Are we seeing kind of hiring levels move around at all

did you quantify Employer Services bookings growth for the quarter specifically

do you still believe there's growth in PEO pays per control this year

how the 0% APR mix ceiling can affect that and just how you're thinking about how high that can go?

Can you give any more detail in terms of their frequency of engagement?

how aggressively you intend to lean in there and what you think the mix of 0% can be over a multiyear period.

how important you think the PSP channel will be for your business

how should we think about the long-term objective of the app? Is it still a repayment engagement mechanism

I wanted to just quickly touch base on kind of the outlook for 0% promotions as we go into the holiday season.

How are you thinking about that among the key factors or what the key factors are that would drive that transition

give us an update on where you are for your targets to add incremental module sales within wealth

What is Broadridge or how is Broadridge helping to mitigate this dynamic?

you're going to start trialing at least a revolving credit product. Just more details on that

what is their attach rate or pacing compared to maybe a rest of the customer base as a whole?

is there a possibility that we could even see some acceleration from a pretty consistent rate of member growth?

Can you just talk about like why that might be or what would change that?

have you seen any specific cases where, hey, that makes a lot of sense or at least you could imagine the kinds of transactions that you may be looking at?

I'm curious hear about the performance of the hedging business in Q1? And anything you can give us on how it has performed since then during the month of April

How do you think about the to-do-list for Circle to become integral to a lot of those evolving payment networks

What types of customers are you seeing either generally or what kind of characteristics do they have that are willing to engage with you

I'm wondering if you can talk a little bit about what you're seeing in terms of valuation and how you're thinking about the price of acquisitions

Can you just give a little more color there? Where were you seeing that? Is it just in near-term bookings

Can you just give us a rough idea of what you're thinking about in terms of time frame

Just wondering if you can give an update on progress on pipeline there and what you're seeing from a valuation perspective

Can you just talk about how you're pricing those and incorporating those into deals and putting together that structure

did you see any budget flush type engagements or bookings, maybe like what you've seen in past years

Does that include both the inorganic and the organic period after August? And I guess as part of that in your growth assumptions

Can you give us a little bit of view on in terms of what you might be looking at what makes sense and what valuations are doing

especially on these longer duration projects and if we're starting to factor in tokenization or token costs, excuse me, how do you think about like the levers that you need to control

I think one of the things that's always striking about the banking industry is that, for a variety of reasons, we haven't seen the move to cloud and public cloud-type solutions

what are you seeing in the pricing environment now? Do you feel like things are steady

How are you thinking about kind of the moving targets and competitive environment, especially as we see more companies looking to add incremental functionality for omnichannel

any color you can give there in terms of merchant response. I'm sure they're happy about it, but things that you can measure like changes in churn or retention

How should we think about the maturity of profitability in those markets? And how can that change over time as you continue to grow footprint outside the U.S.

wondering how we should think about go-to-market support for those, what the implications for operating expenses are

I'll get straight to my question. So wondering if we can get an update on Issuer segment

wondering if we can get an update on Issuer segment and is the assumption for fiscal '25 continuation of softer trends in the commercial card and Paycard

Help us think through the benefits that you think you will get from the AI spend in 2027, and then maybe more importantly, into 2028 and beyond.

I want to circle back to a comment you made a few minutes ago that you're seeing increased engagement with consulting and systems integrators

how we should think about the margin profile of Tap2Local relative to the current segment margin

how are complementary attach rates trending at signing and maybe at 12 months post conversion

what keeps you up at night in terms of things that could trip you up, whether it be timing or magnitude

I was hoping you could help us to stratify the differences in demand from your customers for deposit attraction versus retention versus lending

Wondering how has early transaction trended with Banno Business? And can you update us on the go-to-market motion

Can you walk us through kind of what the key levers are? I know you guys always highlight maybe including today

if you've seen that manifest at all in terms of like your engagements or win rates or even pricing intensity thus far

How has traction trended with Banno Business? I know it's early, but can you update us on the go-to-market

how we should be thinking about the mix between Bano retail and Bano business? And how that's likely to evolve over the next few years

do you think that within the time frame regulators will be more comfortable with broad-based financial PII in the cloud

you mentioned the implementation queues. And just wondering how those are trending broadly and how are you thinking right now about the puts and takes

it's been a few months since you announced the partnership with Moov. It seems like an interesting potential product

how we should think about expectations for loans sold on both Pay Later and Fair Financing?

how many of those merchants are net new to BNPL overall compared to merchants that already had another BNPL provider

how we should be thinking about a delinquency high watermark where you might

wondering if you can give us any insight on how that's developing so far in terms of adoption, credit quality

how we should think about the governance and development roadmap there, and what kinds of initial use cases

Can you talk a little bit about how not only Mastercard is helping accelerate that, it seems like, but any of the unique threat or risk and even legal issues

You mentioned that you still see kind of a tight labor environment. Just wondering if you can provide any anecdotes or color on that comment.

What are you seeing there, and how are you feeling about your ability to deliver efficacy and when do you expect to see the full benefit in bookings momentum?

on the incremental realized gains on the investment portfolio from Paycor, are those gains included in the guide moving forward?

Is that a trend that you've seen persist so far in the beginning of your fiscal year? And is that at all -- like it seems like it's small, but I just want to make sure if it is persisting

how should we think about mix between return to investors via incremental buybacks versus reduction in debt leverage, et cetera, and just how you're prioritizing that right now?

I wanted to dig in really quickly on a couple of product-related questions. First, just wondering if you can share any details about early adoption metrics around FlexEngage since its launch

On the recruiting Copilot, it's kind of an interesting extension of some of the things you've been developing over time. What are the specific metrics you're using to measure its effectiveness

how we should think about reinvestment and the other side of a capital return? And how you're going to decide how to apportion savings

How should we think about that road map on a go-forward basis? It seems like you're driving really good engagement

talk about some of the capabilities of Visa and the Visa networks that you can deliver in those kinds of environments

Can you paint a picture for us like the role that you expect Visa to play in agentic commerce transactions

Wanted to ask about what you're seeing around our bookings around international travel and travel generally

How much benefit -- in the past, we've seen different periods when cryptocurrencies have done well

what segments of the market are really responding or what enhancements or the segments where you're seeing traction?