Macro data from OECD indicates a 6% uptick in disposable income spent via "pay money online" services, which could directly boost Q3 transaction fee income. Criminals will seek to instill a sense of urgency and isolation. US residents: If you or someone you know has a gaming problem, get help. Crisis services and responsible gaming counseling can be accessed by calling 1-800-426-2537 or online at www.ncpgambling.org . M&A activity in the "pay money online" ecosystem has risen 15% YoY, with strategic acquisitions boosting market consolidation trends in digital finance.