SE

nokei

On 3rd gen SE now when the battery starts to go then I'll buy a certified refurbed 4th gen for the newer battery assuming it's been out a while by the time my battery is out the door.

SayNoToBrooms

That’s why I upgraded from my 2nd gen SE. All I got was being able to tell Siri to set up reminders for me. And I’m sure that’s not even a new feature! Just a new discovery for me

InfluenceSilly8776

My son has the 13 and asked recently if he could downgrade to an SE or we could swap phones (I have an 11 pro max). My phone is still like new except the battery life sucks bad enough I carry a charger and power bank in my purse for emergencies. His phone is still in good shape but he likes mine (which was offered to him before I bought his, just saying) more.

kookyabird

I upgraded from the 7 to the SE 3rd gen earlier this year because some of my critical apps needed a newer iOS. Plus it became a security risk for my work. I'll miss Touch ID when I finally have to replace this one. I still use my 7 for some stuff around the house like music and playing stuff off Plex at my hobby table.

surfinbird

iPhone SE here too! Not a 🌈bear, but still losing money

hsuan23

The SE3 having always on and same chip as series 10

mydoortotheworld

Mine has been AI slop reels of disasters or babies dying posted by mostly Indian or SE Asian accounts. No matter how much I try to hide or snooze or block those accounts it keeps coming back

Skooober

Come on now. Rockin 2nd SE over here!

No_Entry_9357

Atos SE Current market cap is 800m euro, revenue is 10b euro

OilBerta

Got shook out of SE at $112 now im too buthurt to buy back in.

Galac_tico

I am an SE for back up and replication dedicated to the Brazilian market and clients are starting to incline towards Chinese cloud providers

ScottyStellar

I can't see what the thread was before me can you share more? But ya wild to think sq, SE were stocks a lot of us were into a few years back. This is why I'm glad I'm a pretty active trader bc trying to predict 10 years old is tough

milkplantation

I live in a big Asian city. Golf is massive and growing across SE Asian markets. Lots of data on this as well: [source](https://www.randa.org/en/articles/golf-participation-continues-to-enjoy-growth-globally) / [source 2](https://abmagazine.accaglobal.com/global/articles/2022/apr/business/golf-boom-in-asia.html)

wearahat03

I remember reddit praising this company 2 years ago when I said LULU is going downhill. Stock was worth twice as much as its worth today. https://www.reddit.com/r/stocks/comments/15ypp52/comment/jxdcui4/ Story remains the same. If a company makes their clothes in SE Asia, then you compete with fast fashion like Shein, Zara and Uniqlo. No one will pay a high price for stuff that's cheap to make made out of polyester. Zara and Uniqlo stocks are up since then. You either provide value (good quality to price) or sell 'luxury' that is perceived quality, customer experience, made in France, hand-made etc. to make the customer feel special. And luxury logos are not appealing right now. Their business model of selling overpriced stuff was bound to unravel. They got away with it when they were trendy, but now people are actually comparing different brands and going with the best quality to price

Global-Panik

I have lived in SE Asia most of the past 8 years. That is what the do in Thailand. National police, immigration police, military all work together hand in hand against immigrants AND their own people when there is any dissent or speaking out about the monachy. In Thailand, the country is truly controlled by the King and the military leadership. In Vietnam, Laos, and Cambodia it is largely the same sort of systems, though not really tied to the king. instead the Monarchies there are replaced by one party rule. Myanmar was the only one moving toward democracy, but then China wanted no part of a democracy on their border... so they backed the generals in a coup.

MutaliskGluon

Before all the bulls respond by saying to buy the dip... its an accounting fraud that has peaked and is going to drop 70% from these levels. They are pushing potential sales into Accounts receivable and claiming revenue early and also aiding SE asian countries help smuggle chips into China, and China is now trying to stop buying from NVDA and use domestic chips.

noce96

Never trust SE Asian liquor. That's how they got my grand pappy back in '71.

shicken684

Wars in SE Asia are probably just as likely as wars in the northern hemisphere. War in China, Philippines, Vietnam would have a large impact on New Zealand and Australia. Just something to keep in mind

MrFreezeIceCold

AAPL when the iPhone launched (2007) was a good one. AMGN. MSFT. NFLX. SE more recently (Jan 2024). SMNEY. HWM.

like_shae_buttah

The thing is that he had no base of power. He has all the charisma of a guy who fucks couches. There win be a power vacuum and this guy may fuck literal vacuums, but he’s toast. Hell I’m in rural SE Georgia and people here love trump but no one likes Vance.

feisbeegolfer27

https://www.zillow.com/homedetails/12-6th-Ave-SE-Fairfax-MN-55332/106821582_zpid/?utm_campaign=androidappmessage&utm_medium=referral&utm_source=txtshare Not great, but liveable. New roof at least

MutaliskGluon

China has been receiving billions and billions of NVDA chips through smuggling througfh other SE asian countries. Thats why Malaysia and Singapore are some of NVDA top export countries. Dont listen to the bullshit Jensen and other bull analysts say. The whole China doesnt buy from NVDA is such a dumb take that has somehow become concensus.

Metrostation984

Anyone playing Valneva SE? They were pumping right up until RFK decided to ban their Chikungunya vaccine. They have plenty more in the pipeline.

LiberalAspergers

The 7500 model isnt for sale in the US or Eurpoe, it doesnt meet crash safety standards in the developed world. That model is meant for Asia and Africa, but it is real. And their factories to avoid EU tariffs are being built in Hungary and Turkey. The Thai plant is primarily meant for the SE Asia market and Africa. Their factories in Brazil and Columbia are meant for the Latin American market.

Y0tsuya

This is happening in all developed countries and way worse in many cases. The mistake most people make is that the source of labor (Africa / SE Asia) will somehow lead growth simply because of this. That only happens if proper institutions and infrastructure are in place to take advantage of this. But what we will see is hordes of people clamoring to immigrate to developed countries and those countries resisting mass immigration. So general stagnation all around.

ZoraHookshot

NPR's Marketplace just did a fantastic piece called "Demographics is Destiny". Essentially, the amount of high schoolers and immigrants entering the American force isn't enough to replace those retiring out of the workforce. That means in many cases, if the business wants to add labor, it can't do it in the US, simply because there isn't enough labor to go around. That could lead to stagnant growth here, and large growth where there's more people, particularly Africa and SE Asia. I bought AFK to supplement VXUS because VXUS doesn't have enough exposure to Africa. It's up 43% YTD.

MutaliskGluon

still stand by everythingf about NVDA doing fraudulent accounting, in addition to helping companies smuggle into china through other hubs in SE asia. its 100% happening, its just a matter of WHEN the shit hits the fan, not IF. Downvote, save, remineme whatever. This will be proven true in the future.

MutaliskGluon

The china thing is BS. Tons of random SE asian countries are buying billions of chips randomly and those are being smuggled into China. Deepseek was trained on NVDA chips. China has also been forward buying these chips in mass and are now instructing local firms to stop purchasing NVDA. Also, NVDA data centre revenue was down 1% QoQ. The derivative on this growth rate indicates next Q should likely be 4-10% decline QoQ and they are guiding to double digit increases. NVDA has peaked for this cycle

Lionessandlover

https://preview.redd.it/y0nbx2x8bdlf1.jpeg?width=1320&format=pjpg&auto=webp&s=a6118f8fb674d3c7d66919f0aca3de9f8a2005ee Took profit at open, probably wasn’t worth the risk to stay in and hope for more. Good luck to all. Bow back to my previously scheduled vacation in SE Asian good night from Vietnam 🇻🇳

Lionessandlover

Well I dumped my puts at open, back not not giving a shit if it goes up or down, and back to getting drunk on the beaches of SE Asia, good luck to all

Lionessandlover

Trading from SE Asian is wild, have all day to shit talk premarket then get drunk trade the first 30 and be in bed by 10pm

Lionessandlover

I see, well enjoy retirement. I’m on a 2 month vacation in SE Asia, time to get some dinner and drinks and see if I squeak out some profit on this fun little gamble, cheers

Lionessandlover

Yeah i actually really enjoy it, i get to travel all over, get put up in hotels for the majority of the year getting crazy points for marrriot/hilton/IHG etc, get a rental car with gas, per diem, and really good money. I don’t rent anywhere or have a mortgage, don’t own a car or have to pay insurance, and I basically live for free. I also work around 100 hours a week for like 10 months of the year, so I basically have no time to spend any money until I’m off. Then I just hit up SE Asia for a couple/few months and do it all over again. I wouldn’t trade it for a normal career

shakenbake6874

what about SE stock. They compete with SEA in some catagories.

Excellent-Season-370

Huh? Do you live in southeast asia? Grab kicked uber out of SE and is dominating its competitors. Their only meaningful competitors are gojek (which might be acquired by grab) and xanh.

UnfazedBrownie

A lot of them in SE Michigan voted for Trump to punish Biden/Harris. They’re not happy. Then again, not sure what to say about that one.

Lionessandlover

Trading from SE Asia is a dangerous game. By the time markets open I’m already sauced and then if trades don’t go my way I start revenge trading on tilt. Anyways that’s the story of how I’m down like 75k today

Lionessandlover

lol 10pm in SE Asia, I had the pleasure of ending my day getting FUCKED instead of starting that way

Flimsy_Oven_7569

Bong rips, the correct length of shorts for men over 40, the importance of migratory birds in SE Asia, missing the old Kanye, existential Russian literature, and oh... Fucking any and all positions you may have.

dragoorus

told you guys to buy SE call an hour ago

dragoorus

Fuck limp dick amd stock, I'll full port to SE call at this point

Classic-Finish-7433

Lived in Canton (SE Baltimore) for 7 years and it had its charm. Moved out to the county and haven’t really missed it other than the corner barbershop as I don’t know where to get a haircut now

dragoorus

SE I love you beautiful bastard

dragoorus

SE slow and steady, I know you can do it you beautiful child

dragoorus

CMON SE I know you can do it

veg-hamburger

So these might not be dividend aristrocrats per say but i think they are definitely undervalued, I have been loading them from quite some time (18 months or so), from the biggest to smallest: * Vonovia, * Cibus Nordic Real Estate, * Mercedes Benz Group, * Sixt SE, * Porsche Holdings, * British American Tobacco, * Realty Income and * this ETF: Invesco EURO STOXX High Dividend Low Volatility (Dist) This is roughly 80% of my portolfio rn, I got rid of all the other Index funds like SPY and sold almost all my US stocks recently in the last 6 months. I do still have some stocks like Nike, Intel, Volkwagen, etc. only because I find them kind of undervalued at the moment. What do you think, have any comments recommendations ? Would you like to share what you've got?

zombie_harv

iPhone SE here but otherwise spot on

Halako

Atos SE

whitehairedanimegirl

bro i sold all my SE stock for this shit

Regardium-Leviosa

Allianz SE

GrodyToddler

No, the jobs aren’t there. Stock prices aside, tech hiring has been contracting in a big way for almost 18 months now. Early-career SE jobs basically evaporated and haven’t come back. The automation premise makes sense for now but in a few years (especially as old heads leave the industry to escape “hard tech”) the industry is going to have a significant pipeline problem for SSEs who are currently the ones checking / correcting the AI’s code. It could come back and bite tech in the ass if suddenly the price for an SSE to correct the code ChatGPT copied off of GitHub is way higher than it is today because of a talent shortage. That said my personal opinion (from being in tech for 15+ years) is that the pendulum will swing back in the other direction and junior SE roles will open back up in the future. Tech has always been super trendy and it wouldn’t be the first time that everyone dogpiled onto a new idea and then pulled back when reality set in.

Charming_Yellow5867

If cannabis is rescheduled, would that allow imports from South American or SE Asian countries?

alyjaf666

where did you see SE?

Open_Surprise

My bad/good luck, last 3 plays, I always do earnings share and hedge with OTM PUTS: 1. APP shares sold at open on Thursday for 390, it proceeds to shoot up to 450 within 30 minutes of me selling. 2. SE shares bought Tuesday but chickened out at 3:59pm and missed 20% earnings move. 3. Yesterday had EAT shares and hedged with puts. Sold the shares after hours yesterday after seeing CAVA tank. Now bag-holding the Puts while stock moons. What am I doing wrong 😔

moldyjellybean

The entire internet is all just garbage. Years ago in SE Asia they had offices full of workers with fake FB, twitter and like a hundred cheapo phones. I’m sure the same is done in India and low cost places in Europe. Now it’s just multiplied with this AI but anything advanced is still done by low paid humans masked as some AI

CommanderLeona

I think HRB is being slept on after hours today, especially since it dropped 6% already. Flow is also very bullish. Going to enter some September calls with part of the $SE profits

pottypotsworth

I added SE to my watchlist ready for earnings and then totally forgot they were today before market open. Stock up \~20%. Feels bad man :( Although, thinking of some \~3 month out puts here. The stock does seem to like to drop a couple of weeks after mooning. Thoughts?

Open_Surprise

I sold SE 1 minute before close yesterday, it’s up 20%. I feel sick 🤢 😢

PhasedVenturer

Always comforted by the fact that nobody talks about SE, let's keep it away from the meme shit

pourhouse

$SE !!! 😍

CommanderLeona

Missed RUM yesterday but caught SE today :)

WickedSensitiveCrew

If I invest internationally I avoid plays limited to 2 countries or less. I like SE, MELI, and NU for their multi-country reach. NU may expand further. I took a 2% position in JMIA during the April dip under $2 for the same reason; it’s worked so far but remains riskier than SE, MELI, and NU.

WickedSensitiveCrew

I remember saying at the time to the Tik Tok bear case in US we can have Amazon, Walmart, Costco, Target, and local stores all exist in the same market. But outside of US these kind of things need to be winner take all or people go I wont invest. So I bought SE on that concept that multiple retial/ecommerce can exist in the SEA market.

WickedSensitiveCrew

$SE Q2 EARNINGS Q2 Results - Revenue: $5.26B v $4.97B (+38% YoY) 🟢 - EPS: $0.65 v $0.73 (+364% YoY) - Adjusted EBITDA: $829M (16% Margin) Other metrics - Shopee GMV: $29.8B (+28% YoY) - Shopee Revenue: $3.8B (+34% YoY) - Shopee Adjusted EBITDA: $228M - Monee Loans: $6.9B (+94% YoY) - Monee Revenue: $883M (+70% YoY) - Monee Adjusted EBITDA: $255M - Garena Bookings: $661M (+23% YoY) - Garena Revenue: $559M (+28% YoY) - Garena Adjusted EBITDA: $368M

GargantuasGoose

I don’t see anyone talking about SE

smart_doge

https://www.reddit.com/r/TooAfraidToAsk/s/5OYIpK57SE Not enough folks with margin in there

Rude_Masterpiece_239

I live in the area. Most of DC is fine. I take my elementary aged kids into the city all the time. Sporting events, shows, dinners, sites, etc, etc. That said, it's like many major metros. Vast swaths of the city have been gentrified, pushing the poorer families into a smaller and smaller area to the East/SE. Now with the potential RFK revamp I fear we're in for another big round of gentrification to the East. And what happens when we push poor, marginalized populations into small areas we create ghettos where all children see is struggle. These populations have less access to healthcare, less access to quality foods. These areas struggle with poor educational environments. There are few jobs in these areas leading to harder, longer commutes. Substance abuse is normalized. And then you end up with a youth population out and about causing trouble, which is exactly what's going on in DC. These are the same issues going on in many many metro areas which have become largely unaffordable over the years and especially post covid. Turning DC into a game of Cops and Robbers isn't going to fix the issues. Creating better safety nets, spreading cheaper housing throughout the cities ensuring that educational environments don't suffer. Attacking substance abuse issues in a more humanistic manner where people have support options vs immediate go to jail options. AND policing and locking up those who need locked up. "Federalizing" DC isn't the answer. Investing in more intelligent development and support of the humans in DC is the answer.

Most_Caramel_8001

100%. The first cava location in my area just opened three weeks ago (SE Michigan). I have been twice so far - on the most recent stop the manager said they are averaging 50 online orders (including doordash and all that) per hour. That’s on top of foot traffic, which has not slowed.

julet0790

12,670 Shares in SoFi Technologies, Inc. (NASDAQ:SOFI) Purchased by Allianz SE

Big-Safe-2459

Maybe in some places. Not sure about a vast majority of Africa, SE Asia, India, or much or all of Russia. It’s easy to imagine some parts of the western world investing in these technologies, but a vast majority of of population will drive two-stroke bikes, toss their industrial effluent into the ocean, and burn garbage. And the rise of oligarchy and dictatorships won’t progress these agendas much - just look at the most powerful man in the world screaming “drill baby drill”.

Known_Ratio5478

I upgraded from my SE the week after this shit was announced. I’m hunkering down for dark shit.

737northfield

India is about 1/10th as important as China and manufactures basically nothing that isn't already done in Taiwan or Vietnam. People who treat Russia as a friend are our enemies and should be treated as such. >Trump TACO'd I mean, yeah. The outlandish tariffs didn't stick. IIRC there's still a blanket 55% tariff on everything out of China rn though, with category exceptions up to 100%+. Not Trump or MAGA in the slightest. Have voted Dem since I could vote in the 2016 election. But India getting shafted makes me happy. Want cheap Russian oil? Enjoy getting shut out of the US market and watch how replaceable your cheap labor is in other SE Asian countries.

DonkeyLightning

This just means imports will be down overall. I work in manufacturing sales with US, Chinese, Indian and Vietnam suppliers. People moving out of China aren’t moving back to the US, they’re moving to SE Asian countries

Legitimate-Sock2188

China pays tariffs, consumers can buy from any country they feel like who treats the US fairly and has the best tariff rate so they are not forced to pay the tariff. Maybe buy something from the USA I dunno it's crazy I realize that. Taxes on income were reduced. His position is tax China instead of working Americans. We have a massive trade deficit with China, they take our dollars and buy gold and US farmland and build supercarriers and J-20s to threaten SE Asia. I realize multi-national corporations take a hit in reduced sales, oh the fuck well, I am not dumb I will divest from them and invest elsewhere. It's not anti-American to favor US workers and American interests over consumers who need their Squishmonsters and a new IPhone every 2 years over all else.

rixxxand

SE Asia ruined me. Sleeping in a 4 star hotel for 40 bucks a night. $100 to feed a large grop at dinner. Easy to talk to women who actually fits in clothes and don't hate men on sight. Getting a grab taxi for the price of an Uber tip. Granted it was hot as fuck but AC was everywhere. The first day I returned back to the states, a hobo karate chopped my car window.

Revelati123

Im about to get a fat check from an insurance settlement so I need Donny to go on a fucking epic whacked out rant, maybe threaten to annex Paris, do a full trade embargo of SE Asia, or try to appoint himself Fed chair. If yall could shave 20/30% off QQQ real quick so I can get them sweet NVIDIA shares. Then two weeks later we can all forget about it and go back to ATH. No sweat dawg, do a homie a solid!

JustinDestruction

Except we don’t have enough exports and assuming companies choose to repatriate jobs, they will be done by robots. So no jobs in China/ SE Asia AND no jobs in the US. What could go wrong? Maybe it’s a Marxist conspiracy.

PovertyTourist69

What’s the source? Statista itself isn’t a source and I don’t see one listed in the source section. I do see they mention desktop only, which could partially explain why it differs from the 93.05% market share in organic traffic last year according to SE Ranking or the 89.66% calculated by StatCounter. If your whole bear case for Google is based on desktop only search market share from a potentially dubiously sourced Statista table, you may have more research to do. Also, is Google’s growing cloud market share relevant to you at all? Growing its cloud share in, likewise, a growing market as revenues climb $6B in the 1H YoY all while expanding operating margins 900 bps definitely seems relevant to me.

YOLOFIRE

Megaquakes in SE Asia and Japan within months of each other. China, India, and Russia seize opportunity and occupy affected nations disguised as humanitarian aid. With huge death toll and destruction of infrastructure, SE Asia becomes epicenter of a fungal and viral pandemic.

Traditional-Doubt185

Facebook usage is up around the world, even in US. It's a lot of 30+ but they have all the money anyway. Facebook is almost as popular as IG in LatAm and SE Asia.

Old-Outside6894

It’s coming alive after the SE failure. Might work in VA, I highly doubt it. Removing the experienced regulated players is a disaster. It literally invites dangerous black market and bad headlines.

Old-Outside6894

SE causes industry to fail. See NY.

Old-Outside6894

Carefwhat you wish for. All democrats equal SE BS vs reform for The People!

Humble_Dimension9439

I generally agree. Marks crazy hiring campaign is giving panic. The fact is, the two most important things are data and compute. Meta has lots of the former but is a bit late on the latter. Google is light-years ahead of the game on this and guess who probably the largest wealth of data on the planet? Google I don't think META is cooked per SE but they will lag competitors, especially Google, in the AI space

Alex_GordonAMA

They literally have a section on their wiki about corruption scandals lol. Also it’s only KOG on the Oslo SE it’s KBGGY elsewhere.

glyptometa

Commenting from Australia... "ahahaha, as if" We're net exporters (by far), feeding SE Asia. We have no need for American beef. Sell it to countries that are not already expert, large-volume, cattle producers

Big_lt

I mean that's other issues but human nature is absolutely going to try and buy the cheapest good which will do the job. Like textiles are cheap to make due to sweat shops. Literally a monstrous number of huge brands incorporate usage of these in SE Asia. If we brought textil industry back a plain white t shirt would be like $50 due to labor, tax codes, land usage/regulation, domestic suppliers and so on

heyitsyourlandlord

45% ish. Depends how much cash the rentals suck up. Gross income roughly ~130,000. 82k w2, the rest SE and rentals so not as much tax on those. About half, 30k is into a brokerage because I like liquidity. I do not max my 401k at this time. Last year I got close at 19k but will probably just do 12k this year.

WickedSensitiveCrew

I agree. April 2025 was a bottom for a lot of stuff. Like I said it was due to their earnings. It would be like saying you bought MEDP the other day after their earnings came out. I never mentioned COHR. You might be confusing me for someone else. UBER, WBD, SE, NU, and MELI were some tickers I discussed on here. WBD silently up 74% since April dip. Barely see anyone talk about the WBD turnaround on here.

adku_art

[Market Summary](https://www.google.com/finance?client=firefox-b-d&channel=entpr&sa=X&ved=2ahUKEwjO48m_zdWOAxXhxQIHHZ0ZAngQ6M8CegQIPBAE) \> Atos SE534,52 million 

adku_art

[Market Summary](https://www.google.com/finance?client=firefox-b-d&channel=entpr&sa=X&ved=2ahUKEwjO48m_zdWOAxXhxQIHHZ0ZAngQ6M8CegQIPBAE) \> Atos SE 534,52 million Euro market cap

MtKillerMounjaro

It's probably all the Toyota, Subaru, and Honda factories already built and cranking out sensible, well made, non-union Rav-4s, Corollas, Outbacks, and CRVs across the SE US.

Otherwise_Process_93

Let’s make SE move best meme stock, last time it went to 360

Otherwise_Process_93

Thoughts on SE

Bitbuerger64

Init SE. (Isin DE0005759807). 60% of their revenue is from the German market. Germanies investments in rail are relatively low compared to its neighbor states. There are lots of service outages because of the aging rail infrastructure. Increasing government investments are likely and have already increased by 75% yoy. https://www.faz.net/aktuell/wirtschaft/auto-verkehr/deutschland-steigert-investitionen-in-die-schiene-110600841.html

financeledge

I am not a huge fan of Chinese stocks, very hard to do research. Much better opportunities- made a killing on SE the Singaporean gaming company

Realistic_Record9527

SE crashes without news. All in to buy the dip

canon87

BULL is a smaller market cap than HOOD. Any growth will have an amplifying effect on the price. They are also in markets where HOOD doesn’t exist (SE Asia)…yet. For better or for worse, since Covid a lot of retail traders are entering the market. They’ve gotta create an account somewhere.  Full disclosure: I also own SCHW and HOOD.  

chopsui101

I like to think I'm an expert on WU....as I once wrote a finals paper about them for finance class. The regardless what investors tell you the business is not dying, they just fail to understand the business. The business is based on remittance, money that foreign workers from poor countries send home. This can be from the US back to India or the Philippines. From the wealthy gulf states back to poorer SE asian countries or Africa. From Russia back to western asian countries. **Strengths** The world remittance is growing steadily and is expected to growth at a consistent rate. During growth years it tends to grow more or when oil prices are high. They also have a strong monopoly on countries that don't have good banking sectors or other fintechs can't break into due to lack of technology. In countries like India and Philippines they cut their prices to complete with fintechs. Countries that the fintechs don't operate either because phones are not wide spread or the banking sector isn't developed they raise prices. They charge a fee to send the money and they give the mid conversion rate thus they profit twice on each transaction. They have done better in recent years in building out their mobile app to get repeat customers, adding buttons to have the ability to instantly send money to contacts which is driving repeat business. **Weaknesses** The world is getting smaller so even countries in Africa mobile phones are getting more popular, which means other fintechs are able to service countries that previously they could not. They have rolled out their products in a sloppy manner, execution imo has been poor. They have multiple mobile apps for different products they offer like their money transfer and their prepaid debit card. If you listen to their earning calls they always talk about being a one stop shop but the product lineup has not reflected that. Thus imo they are not monetizing their customers as efficiently as they could or should be. They keep saying their are spending on technology but I reviewed their technology spending has been more or less flat for a while. **Overall** They seem content with riding out their high margin business, taking a higher percentage of a smaller and smaller pie.

VlaaiIsSuperieur

This is the ticker and ISIN number that my broker is displaying: EVO | SE0012673267