Hello, and welcome to Boku's full-year results presentation for 2024. Over the course of the coming minutes, we'll update you on how the company performed during 2024 financially, but also use the opportunity to update you on progress that we're making on our multi-year journey to become the world's best localized payments partner for global commerce. What is particularly pleasing about the results is not only did we deliver very strong top-line growth and profitability, but we also continue to invest in our platform, getting us ready for the future as we scale this business into an ever-growing market opportunity. I'm going to hand over now to Rob to take you through the financial results, and then I'm going to come back and give you an update on where we are against our longer-term strategy. Rob, over to you. Thank you, Stuart. Hello everyone. Delighted to be here to present our full-year results. As Stuart has said, we're extremely pleased with our performance this year. Our results demonstrate strong organic revenue growth and a higher Adjusted EBITDA. This is allowing us to make investments in sustainable future growth, laying the groundwork for us to become the world's best localized payment partner for global commerce. As you can see, all of our key operational and financial metrics are very much going in the right direction. The growth in MAUs and TPVs, together with an improving take rate, have underpinned our strong financial performance, with organic revenues, Adjusted EBITDA, and Own Cash all increasing year-on-year. All of this has been achieved while we continue to make strategic investments for future growth and maintain our commitment of an Adjusted EBITDA margin above 30%. To look in more detail at this performance, we have again seen strong user metrics. MAUs in December increased by 29%, and new users added to the Boku platform are up 26% year-on-year. This user growth has been particularly marked within other LPMs, where we have seen over 50% growth in new users year-on-year. These increased user numbers have contributed to a 23% growth in TPVs on a constant exchange rate basis. This all reflects the success of our ongoing efforts to enhance our network. We have delivered over 100 new connections. We have continued to develop our geographic footprint, and some particular highlights include our first e-commerce launch in Japan and launching BLIK as a form of payment in Poland for one of the world's largest merchants. Finally, our take rate has increased by one basis point year- on- year. This movement reflects an increasing proportion of our revenue coming from higher margin digital wallets. These strong operational metrics have driven organic revenues of $99.3 million for the year, an increase of 24% on a constant exchange rate basis. DCB continues to deliver strong annuity growth of 11% year-on-year. Within that, 7% relates to DCB payments, and over 50% relates to DCB bundling. We also continue to diversify our revenue streams into higher growth LPMs, digital wallets, and A2A schemes. This is something we are well positioned to do, given our long-standing DCB relationships with many of the world's largest tech giants who are working with us to connect them to other LPMs around the world. These other LPMs are therefore becoming an increasingly significant revenue contributor. They have increased by 56% year-on-year and now make up 26% of the total revenues compared to 20% in 2023. This is a trend we expect to continue, as evidenced by our H2 results, where these products contributed 27% of total revenue, rising to 30% in December 2024. Turning then to our Adjusted EBITDA, where we have seen a 22% increase to $31.4 million and an Adjusted EBITDA margin of 31.6%, thus maintaining our commitment to deliver more than 30% Adjusted EBITDA margin while we continue to make strategic investments aligned with our growth pillars. These investments include enhancing our platform to enable increasing levels of straight-through processing, expansion of our foreign exchange and money movement capabilities, and exploring new sources of revenue growth. We have also focused on expanding our regulatory reach across several key markets, including achieving authorization to operate as a payment aggregator in UPI in India, continuing to invest in Brazil, where we have applied for authorization to become an EMI and a payments initiator, which will enable us to join the Pix scheme, and also enhancing our presence in the U.K., where we have received approval earlier this year to become a PISP and AISP. Turning then to our operating profit for the year, which came in at $6.2 million, this represents a reduction compared to the prior year, despite an increase of $5.6 million in Adjusted EBITDA. The two main contributors to this are increased share-based payment expenses, reflecting both an increase in the number of awards granted as a result of staff numbers growing, together with a rise of over 30% in our share price, and significant FX losses in the first half, largely driven by revaluation of non-USD balances. The latter is now being proactively managed by our new treasury and banking team. Moving on to our cash position, Boku remains debt-free, and our cash generation remains robust. As noted at half-year, our RCF facility, which remained undrawn throughout its term, matured in September and was not renewed, showing confidence in our ability to generate the cash needed for strategic investments. Our Own Cash balance, which is calculated in a manner that excludes merchant-related balances, has increased 10% year-on-year. If you exclude the impact of our share buyback and the exercise of warrants related to a previous acquisition, that figure would be 21% up year-on-year. You will see from our accounts that we have improved our disclosure around payables and receivables in Notes 16 and 20, and we have also set out the calculation behind our Own Cash balance in the APM section of our report. We hope you will find this extra transparency useful. In terms of group cash balances, these have increased 18% year-on-year, with average cash balances increasing by a similar percentage. I would note that our group cash balances are being impacted by various factors, including the speed of money movement and decreasing settlement times. We do expect our group cash balances to reduce over time as a result. In summary, looking at our year-on-year progress, MAUs are up 29%, TPVs are up 23% on a constant exchange rate basis, our organic revenues have increased 24% on a constant exchange rate basis, and we have delivered a 22% increase in Adjusted EBITDA and maintained an Adjusted EBITDA margin of over 30% while we continue to make strategic investments for future growth. All of this has resulted in a 21% increase in underlying Own Cash. In summary, a robust set of results, which we believe position us well for future growth and success. With that, I will hand back to Stuart. Thanks, Rob. I hope you'll agree they're a very, very strong set of financial results. That's the platform with which we're using to grow the business and propel ourselves into a growing market opportunity. Let me remind you briefly what Boku is here to do. The world of local payment methods is exploding. There are hundreds of various local payment methods around the world, and connected to those local payment methods are over 7 billion individual accounts. As a global merchant, you really need to figure out, how do I access those 7 billion accounts in order to be able to grow my own business? That's where Boku comes in. Boku provides connectivity into the 100 disaggregated, disparate local payment methods around the world in over 70 countries that enables our merchants to offer their own services to over 7 billion individual accounts. What is driving this global adoption of local payment methods? I'll point to three global macro tailwinds. Firstly, consumers are choosing to pay using local payment methods. The adoption of mobile around the world has enabled this evolution of new and innovative payment methods that are connected to, in many cases, mega apps, where you can run your lives, you can make purchases, you can order a cab, you can order food. You're doing it through one seamless ecosystem, and attached to that ecosystem is a wallet. On top of that, there is an increasing move by central banks around the world to reclaim ownership of their own domestic payment system. The technology now exists to be able to authenticate consumers and allow them easy access into their bank account, which means bank accounts can now directly be involved in retail payments. There isn't a need anymore for an intermediary network providing that type of service. Finally, global merchants want to get paid quicker. They want it to be seamless, and they want as few players in the chain as possible. Actually, for merchants, being able to access funds coming real-time from a bank account is the nirvana in terms of online payments. How does Boku take advantage of these macro trends? Firstly, we need to continue to build out our network. During the year, we added new connectivity in big markets such as Nigeria, India, Poland, and Italy. The local payment method explosion is not just happening in emerging markets. We're seeing new connectivity happening in all continents. On top of that, we added capabilities that mean not only can we continue to service our customers in the digital and streaming space, but we're now offering services in online media. Importantly, towards the back end of the year, we built some functionality, which means we can now offer services connecting local payment methods for online retail. That's really important. We are now servicing broader e-commerce, which means the target addressable market for Boku is infinitely bigger than it was before. On top of that, we're building value adds for our customers. What we do is we add value to large global merchants. First of all, it's about giving them access to local payment methods and the consumers that are attached to those payment methods. Increasingly, our role becomes more important in how do we facilitate money movement. If I'm a global merchant and I want to expand my business into a brand new country, I need to know that I'm able to get my money out and to convert that money back into my domestic currency. Boku has built capabilities throughout 2024 that enables us to do that on behalf of our merchants. That is increasingly important. Just looking ahead then, how do we turn some of the momentum that we have in the business into our strategic goals going forward? Of course, we need to continue to grow our revenues. The way we do that is by continuing to expand our network and also offering existing connectivity to existing merchants. It is all about building out the network. Innovation is key. Every business needs to innovate. For Boku, that means how do we provide more value-added services to our customers? In particular, how can we add a value to a transaction? That might be through licensing capabilities. That might be in foreign exchange and money movement capabilities, and plenty more coming down the pipeline. To deliver that effectively, of course, we need to become as efficient as we possibly can as a business. I have signaled throughout last year that we are investing a considerable amount of money and effort into making sure our operations and our systems and our platforms are as efficient and scalable as they possibly can be. That means automation so that we can process greater volumes on the same amount of resources. That is how we will scale our business. I know something that is close to all of your hearts. That is how we drive our margins up in the long term. is no point growing and scaling the business if we do not do it in a controlled and compliant fashion. The world of global commerce, there is now a much higher barrier to entry with regulatory requirements, the need for compliance, and greater security wrappers around our product. As we grow, we are putting more and more emphasis on making sure that we grow in a compliant and a secure fashion. Finally, as the organization grows, we have gone very rapidly from a 300-person organization to now north of 500. We need to make sure that Boku is a preferred place of work where people choose to invest their careers, knowing that they are going to have fun, knowing that they are going to be challenged, and knowing that they have an ongoing future career path. These are the five pillars that are going to propel us as we leave 2024 and we look ahead to 2025 and beyond. These are our growth pillars for the future. Within that, in 2025, we have some specific deliverables that we wish to achieve. One of those is getting to the point by the end of the year where we can process all the way from a transaction through to merchant settlement for some of our volumes. That's super important. We want to continue to develop our money movement capabilities, including real-time FX and cross-border. We want to do all of that within a very secure and compliant framework. Ongoing themes, but super important. On top of all of that, we are now thinking about how we open our network up to more and more merchants. We are privileged to serve some of the world's largest tech giants. We have created a network with over 250 LPMs connected to it across 70 countries. We want to be able to offer that network up to more and more merchants. Throughout this year, we will be building out some capabilities to sell directly into the market and attract more merchants to our platform. Within that, we may well work with partners. We do not have a monopoly in distribution to merchants. Whilst we do value being able to connect direct, we also value the opportunity to work with partners in bringing our solutions to the market. We have a unique platform that has been hardened by some of the most demanding and biggest technical companies around the world. That capability will be useful to more and more customers. We are starting to invest in how do we expand our merchant network? How do we offer the services to more and more customers globally? We are building, with that in mind, a direct sales capability that can take Boku's global network of localized payment solutions out into the wider market. That may also include distribution through partners. We do not have a monopoly in servicing customers with payment solutions. If there are suitable partners out there who would like to work with Boku and access our network, then we'd be very happy to do so. A big emphasis beyond 2025 and into 2026 on how do we grow the business and offer our services to more and more merchants. Let me bring you up to speed on trading in the early part of 2025. We finished 2024 with a record month of revenues in December. We have now succeeded that record revenue month in January 2025. Momentum continues to be strong in the business. It's because of that, it gives us confidence to now offer you medium-term guidance. From a revenue perspective, we're guiding to organic revenue growth of greater than 20% CAGR in the medium term. That will be accompanied by an Adjusted EBITDA margin that is progressively accreting from full year 2026. Thank you for your patience while we've held EBITDA margins flat. That's given us the ability and the investment headroom to be able to continue to build out this capability. Thank you for that. From 2026 onwards, you should expect to see growth in EBITDA margins as well. Let's step back a little bit from Boku. Now, why is Boku a strong investment case? We're now leaning into a global addressable market that is north of $10 trillion, according to Juniper. The market opportunity is vast and now incorporates broad e-commerce, which we can target with our upgraded platform. We have a strong balance sheet. We're cash generative. We have no debt. We service as our existing customers, some of the world's largest tech giants. They kick the tires on our product. They demand the highest levels of service, and Boku delivers. Finally, we're now able to be in a position where we have the confidence to upgrade our guidance to the markets on what you should expect from us going forward. Thanks for listening, and thanks for your support and your interest in Boku. I look forward to speaking to you soon as we come back and update you at the half year on how we.