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Marqeta 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
Leadership and strategic focus
CEO and CFO roles are currently held by Mike Milotich, who emphasizes continuity and focus on platform differentiation and scalability across 40+ markets.
Strategic initiatives include expanding platform capabilities, enhancing user experience, and ensuring readiness for large enterprise and FI clients.
Efficiency and nimbleness in operations are prioritized to maintain customer responsiveness as the company grows.
Business performance and growth drivers
Buy now, pay later (BNPL) use cases are growing over 60%, driven by Visa's Flexible Credential, wallet distribution, and strong European expansion, including Klarna's migration.
On-demand delivery business returned to double-digit growth, aided by customer expansion into new markets and categories.
Value-added services are expected to reach about 5% of gross profit in 2025, reflecting increased customer adoption.
Contract renewals and customer relationships
Two major contract renewals with top 10 customers are pending, with one expected in Q4 and another in early 2026, each impacting growth by about 2 percentage points.
Block, the largest customer, is diversifying processors for Cash App, potentially impacting gross profit by 200 basis points in 2026, but the long-term share remains uncertain.
Ongoing collaboration with Block and opportunities for further growth, including international expansion and credit card issuing, are highlighted.
Block diversification: How to retain primary partner status?
Future gross profit growth drivers beyond BNPL?
TransactPay: How does it attract new enterprise clients?
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Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services to developers, technical product managers, and visionary entrepreneurs. The company's API engine specializes in the digitization and assembly of all components required to connect customers and their payment cards to merchant networks and payment service providers; automatic reconciliation processes with issuers, processors, and payment networks; as well as fraud prevention processes. It serves commercial card providers, banks, fintechs, digital bank enablers, and other financial institution, as well as community banks.
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