Zoe Bennett

Head of SDR, EMEA

Joining Nuvei offered something I hadn't experienced before—working across regions, with complex products, and collaborating with colleagues all over the world.

When it comes to building high-performing sales development teams, Zoe Bennett believes success begins with understanding people as individuals. Based in London and leading Nuvei’s EMEA SDR team, she has driven measurable growth by tailoring her leadership skills to each person—how they work best, what motivates them, and how they want to grow in their careers.

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Zoe Bennett

思考の燃料

どこでも成長する準備はできていますか？

Nuveiを今すぐ始めましょう。あらゆる場所でのあらゆる決済を支える成長インフラです。拡張性を考慮して構築された、インテリジェントなシステムです。

お問い合わせ

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(In U.S. dollars)	Three months ending June 30, 2021	Year endingDecember 31, 2021
	$	$
		Previous	Updated
Total volume* (in billions)	21 – 22	81 – 87	83 – 89
Revenue (in millions)	153 – 159	570 – 600	610 – 640
Adjusted EBITDA (in millions)**	66 – 70	252 – 265	264 – 277

	Three months ended March 31
	2021	2020
	$	$
Revenue	149,895	83,239
Cost of revenue	28,979	15,168
Gross profit	120,916	68,071

Selling, general and administrative expenses	86,056	54,866
Operating profit	34,860	13,205

Finance income	(859)	(1,346)
Finance costs	3,315	31,259

Net finance costs	2,456	29,913

Loss (gain) on foreign currency exchange	(445)	45,719
Income (loss) before income tax	32,849	(62,427)
Income tax expense (recovery)	5,059	(84)
Net income (loss)	27,790	(62,343)

Other comprehensive income (loss)
Foreign operations – foreign currency translation differences	(14,849)	39,667
Total comprehensive income (loss)	12,941	(22,676)

Net income (loss) attributable to:
Common shareholders of the Company	26,814	(62,593)
Non-controlling interest	976	250
	27,790	(62,343)

Comprehensive income (loss) attributable to
Common shareholders of the Company	11,965	(22,926)
Non-controlling interest	976	250
	12,941	(22,676)

Net income (loss) per share attributable to common shareholders of the Company – Basic and diluted	0.19	(0.74)

Weighted average number of common shares outstanding^(a)
ベーシック	138,201,970	84,604,769
Diluted	142,741,312	84,604,769

	Three months ended March 31
	2021	2020
	$	$
Net income (loss)	27,790	(62,343)
Finance cost	3,315	31,259
Finance income	(859)	(1,346)
Depreciation and amortization	20,998	17,313
Income tax expense (recovery)	5,059	(84)
Acquisition, integration and severance costs^(a)	5,340	1,670
Share-based payments^(b)	4,105	333
Loss (gain) on foreign currency exchange	(445)	45,719
Legal settlement costs and other^(c)	159	766
Adjusted EBITDA^(d)	65,462	33,287
Advance from third party – merchant residual received^(e)	2,728	2,948

	Three months ended March 31
	2021	2020
	$	$
Net income (loss)	27,790	(62,343)
Change in redemption value of liability-classified common and preferred shares^(a)	–	11,636
Amortization of acquisition-related intangible assets^(b)	18,212	14,178
Acquisition, integration and severance costs^(c)	5,340	1,670
Share-based payments^(d)	4,105	333
Loss (gain) on foreign currency exchange	(445)	45,719
Legal settlement costs and other^(e)	159	766
Adjustments	27,371	74,302
Income tax expense related to adjustments^(f)	(4,000)	(2,179)
Adjusted net income (loss)^(g)	51,161	9,780
Adjusted net income per share attributable to common shareholders of the Company^(h)
ベーシック	0.36	0.11
Diluted	0.35	0.11

	March 31,	December 31,
2021	2020
$	$
Assets
Current assets
Cash	144,464	180,722
Trade and other receivables	42,546	32,055
Inventory	110	80
Prepaid expenses	5,214	4,727
Income taxes receivables	6,401	6,690
Current portion of advances to third parties	8,302	8,520
Current portion of contract assets	1,858	1,587
Total current assets before segregated funds	208,895	234,381
Segregated funds	540,018	443,394
Total current assets	748,913	677,775

Non-current assets
Advances to third parties	36,690	38,478
Property and equipment	15,721	16,537
Intangible assets	561,115	524,232
Goodwill	995,935	969,820
Deferred tax assets	5,457	3,785
Contract assets	923	1,300
Processor deposits	14,804	13,898
Other non-current assets	1,902	1,944
Total Assets	2,381,460	2,247,769

	March 31,	December 31,
2021	2020
$	$
Liabilities
Current liabilities
Trade and other payables	69,964	64,779
Income taxes payable	13,564	7,558
Current portion of loans and borrowings	2,274	2,527
Other current liabilities	8,098	7,132
Total current liabilities before due to merchants	93,900	81,996
Due to merchants	540,018	443,394
Total current liabilities	633,918	525,390

Non-current liabilities
Loans and borrowings	212,602	212,726
Deferred tax liabilities	47,296	50,105
Other non-current liabilities	11,731	1,659
Total Liabilities	905,547	789,880

Equity
Equity attributable to shareholders
Share capital	1,628,244	1,625,785
Contributed surplus	14,790	11,966
Deficit	(184,228)	(211,042)
Accumulated other comprehensive income	7,621	22,470
	1,466,427	1,449,179
Non-controlling interest	9,486	8,710
Total Equity	1,475,913	1,457,889
Total Liabilities and Equity	2,381,460	2,247,769

	Three months ended March 31
	2021	2020
$	$
Cash flows from (used in) operating activities
Net income (loss)	27,790	(62,343)
Adjustments for:
Depreciation of property and equipment	1,350	1,841
Amortization of intangible assets	19,648	15,472
Amortization of contract assets	487	525
Share-based payments	4,105	333
Net finance costs	2,456	29,913
Loss (gain) on foreign currency exchange	(445)	45,719
Income tax expense (recovery)	5,059	(84)

Changes in non-cash working capital items	(3,198)	(15,631)

Interest paid	(2,836)	(16,299)
Income taxes paid	(1,013)	(12)
	53,403	(566)
Cash flows used in investing activities
Business acquisitions, net of cash acquired	(88,930)	–
Decrease in other non-current assets	522	181
Net decrease (increase) in advances to third parties	2,865	(1,734)
Acquisition of property and equipment	(593)	(978)
Acquisition of intangible assets	(4,145)	(3,034)
	(90,281)	(5,565)
Cash flows from financing activities
Transaction costs related to loans and borrowings	–	(20)
Proceeds from exercise of stock options	1,178	–
Proceeds from loans and borrowings	–	56,999
Repayment of loans and borrowings	–	(34,185)
Payment of lease liabilities	(642)	(631)
Dividend paid by subsidiary to non controlling interest	(200)	(200)
	336	21,963

Effect of movements in exchange rates on cash	284	(401)

Net increase (decrease) in cash	(36,258)	15,431

Cash – Beginning of period	180,722	60,072

カナダ銀行送金のパワーでお支払いを簡素化、迅速化、安全に

シンプルで柔軟なオンライン銀行決済

究極の即時銀行送金ソリューション

摩擦のないフローと即時決済

英国銀行送金のパワーで、お支払いを簡素化、迅速化、安全に

シンプルで柔軟なオンライン銀行決済

セキュアでダイレクトな銀行決済で、楽々取引

摩擦のないフローと即時決済

EU銀行送金を利用して、お支払いを簡素化、迅速化、安全化しましょう。

迅速で信頼性の高いオンライン銀行決済

カードネットワークの制限を回避し、柔軟な支払いを実現

安全性の高い銀行送金でビジネスを保護

U.S.BankTransferでお支払いを簡素化、迅速化、安全に

シンプルで柔軟なACH決済

貴社のビジネスを確実に保護

アシュアード・エッセンシャル

アシュアード・コンプリート

安全でタイムリーな支払いのために、アカウントを即座に検証

ベーシック

強化された

プレミア

紙の小切手を電子的に処理する

小さな変化、大きな影響

ブランドのターボチャージ

バーチャルカードで取引を加速

正確さで成長を促進

業界に特化した決済ソリューションで優位に立つ

APIを活用した決済ソリューションで新たな可能性を引き出す

よりスピーディ、よりセキュアな入出金でサービスを向上

遅延のない瞬時の資金調達

リアルタイムのグローバル決済を活用

シームレスなチェックアウトのカスタマーエクスペリエンスを提供

より迅速な決済や清算、柔軟性とセキュリティにより競争力を獲得

シームレスな顧客体験を提供

消費者の選択肢と利便性を高める

他に類を見ない保護機能で決済を守ります

顧客コストを削減して利益とロイヤルティを向上

当社のグローバルな銀行ネットワークで成長を促進

‍米国銀行送金 ‍

EU銀行振込╱200D

英国銀行送金

カナダ銀行振込 ╱200D

自動化と合理化

自動化・合理化された取引管理

時間とコストを節減する完全管理されたソリューション

1つのダッシュボードで最高クラスのパフォーマンスを実現

使いやすいオーケストレーションハブ

承認率を最大化

支払い拒否された取引から収益を確保

多面的な保護

理解しやすい実用的なデータ

最高のビジネスライフを

大勢の人に認識される成功への道がここに

ターンキー暗号通貨

ステーブルコイン決済のパワーを体験

ブロックチェーンプロジェクトを主流に

手軽でセキュアな暗号通貨決済

デジタルエンターテイメントにおける支払いの将来性

Web 3.0 とメタバースへの移行を強化

期待を超えるサービスで顧客のスティッキネス (粘着性)を高める

高速・高信頼性のセキュアなデジタルバンキング

ブランドを飛躍的に加速

ビジネス目標に達するための資金調達： 銀行は不要

消費者信用オプションで収益を最大化

あらゆる段階における保護

チャージバックの検出、管理、削減

Visa & Mastercard の追加ツール

世界をローカルマーケットプレイスに

世界的に最も一般的な通貨で商品やサービスの価格を設定します

FX のマークアップでいっそうの収益を獲得し、より多くの海外顧客を魅了

ビジネスを守る重要性

Nuvei Shields Up で決済関係の詐欺被害とチャージバックを削減

顧客データの暗号化によるアクセスで、セキュアでスムーズな支払いを実現

セキュリティとコンプライアンスを確保

Smarter payments mean higher approvals

Remove unnecessary friction without compromising compliance

Send transactions through the rails that work hardest for you

Make the moment of truth work harder for you

Recover revenue with smarter retries

Full visibility. Real-time impact

ビジネス目標に達するための資金調達：銀行は不要