Dec 07, 2022 / 12:30PM GMT
Rayna Kumar - UBS Investment Bank, Research Division - Analyst
Good morning, everyone. I'm Rayna Kumar, and I lead US Payments, Processors & IT Services Equity Research. Today is the final day of UBS' TMT Conference. And we are lucky today to start with Fiserv's CFO, Bob Hau. Bob, thanks for joining us today.
Robert W. Hau - Fiserv, Inc. - CFO
Thank you. Thanks for having me, Rayna.
Questions and Answers:
Rayna Kumar - UBS Investment Bank, Research Division - AnalystGreat. So [often] (inaudible) it is really the macro environment that are now [Black Friday]. Can you talk a little bit about what you're seeing out there in consumer spending? And if we do end up with a potential slowdown next year, how should we think about the impact to -- on your business?
Robert W. Hau - Fiserv, Inc. - CFO
Sure. So as you might suspect, within our position in the marketplace, we're seeing -- what you've heard from everybody else at this point. So far, the quarter or the month in
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