Vasu Govil

how much engagement are you seeing from bank clients today on deploying AI solutions

I know some of your peers have called out headwinds on the pricing front in core processing. Are you seeing the change in trend lines

if this pace of M&A activity continues, should we think of that as incremental to your medium-term guide for the Banking segment

can you comment on the ACV growth this quarter? I know historically you've given us that number

just curious if that unlocks any additional opportunities for you in addition to what you've already implemented

the EMI contribution from Worldpay. It's a pretty healthy number despite the outperformance this year

I know bank M&A seems to be picking up and wanted to get your temperature check

on Clover Capital, you've highlighted in prior calls how the penetration is still relatively low in your installed base

the tech modernization in the Issuer business and the launch of the cloud-based apps. Like would that mean anything from a revenue standpoint?

I think when you guys guided to 2025 at the Investor Day, it was mid-single digits. So if I'm characterizing that correctly, 4% to 6% and now you're guiding to 5% to 6%

Any other drivers there? Or just trying to get a sense of whether there's any conservatism baked into the guide

I'm curious what's driving this trend? And if you are starting to already see some benefits from the competitor platform consolidation

how you think about AI's impact on your business model over the long term and where you see it as an opportunity versus a risk

just curious if you're still feeling good that bank M&A will still be a net neutral to maybe even a positive as we move forward

hoping you can give a little bit more color on what kind of change you've seen in the trend line

short-term revenue headwinds from bank M&A. Any way to quantify how much that's weighing on the 2026 outlook

any change in how you're thinking about your competitive positioning following the announcement from FIS to acquire the issuer business from Global Payments

if you could just break apart the big drivers for the change. And then also if there's a way to size the overall hardware revenue

I wanted to ask about the Banno retail win. I think you said 12 new wins in the quarter, which is a good number

Just on the free cash flow conversion, like anything -- any change to the 65% guide that you had given us last quarter