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The Western Union Company (WU) investor relations material
The Western Union Company UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS’s 2025 Global Technology and AI Conference summary2 Dec, 2025
Strategic direction and growth initiatives
Focus on expanding beyond remittances, with consumer services growing 49% last quarter and doubling over three years, aiming to double again in the next three years.
Consumer services now include wallet, prepaid, media network, and travel money, with travel money targeted to reach $250 million in three years.
Sustained double-digit growth in consumer services for three years, targeting $1 billion by 2028, leveraging a 100 million customer base.
Digital-first strategy in APAC and Middle East, with new digital platforms and wallet launches, and strong transaction momentum in both regions.
Branded digital business has seen eight quarters of mid-single-digit revenue growth and low double-digit transaction growth.
North America and Intermex acquisition
North America retail business stabilized after recent declines, with easier comps expected next year.
Intermex acquisition expected to close mid-next year, adding 10,000 agents and expanding company-owned stores to 250 in the U.S.
Intermex brings operational synergies, faster agent onboarding, and improved agent support, expected to enhance U.S. market presence.
Acquisition price at 5x EBITDA before synergies, 4x after, with regulatory approvals progressing.
Retail and digital strategies
Modernized global point of sale system enables rapid tech updates and improved customer experience.
European retail strategies, including dynamic pricing and sales force incentives, are being adapted for North America.
Debit card acceptance in Europe has led to higher transaction values and more loyal customers, with rollout underway in the U.S.
Stablecoin strategy's capital release potential
Intermex agent onboarding/support benefits
Account payout network's competitive moat
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Next The Western Union Company earnings date
Q4 202510 Feb, 2026
Next The Western Union Company earnings date
Q4 202510 Feb, 2026
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Frequently asked questions
The Western Union Company is a leading international provider of consumer-to-consumer and business-to-consumer money movement products and services. The company also offers payment services to individuals, businesses, non-profits, governments, and more. The company was founded in 1851 and is headquartered in Denver, Colorado.
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