Company: IMXI
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0001683695-25-000100
Chunk: 113

Company: International Money Express, Inc.
Filing Date: 2025-08-11
Form: 10-Q
Item: Item 8
Chunk 113
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 the Merger Agreement and pendency of the proposed acquisition may result in disruptions to our business, and the Merger could divert management's attention, disrupt our relationships with third parties and employees, and result in negative publicity or consumer concerns, any of which could negatively impact our operating results and ongoing business; the possibility that the conditions to the consummation of the proposed acquisition will not be satisfied on the terms or timeline expected, or at all; failure to obtain, or delays in obtaining, or adverse conditions related to obtaining stockholder or regulatory approvals sought in connection with the proposed acquisition; and the nature, cost and outcome of pending and future litigation and other legal proceedings, including any such proceedings related to the proposed acquisition and instituted against us and others;

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•changes in immigration laws and their enforcement, including any adverse effects on the level of immigrant employment, earning potential, and other commercial activities;

•our success in expanding customer acceptance of our digital services, the cost of acquiring digital customers, as well as our ability to continue to develop new products, services and infrastructure;

•new technology or competitors that disrupt the current money transfer and payment ecosystem, including the introduction and         increased consumer preference for digital platforms;

•changes in tax laws in the United States and other countries in which we operate, including the imposition of taxes on certain types of remittances beginning in 2026;

•loss of, or reduction in business with, key sending agents;

•our ability to effectively compete in the markets in which we operate;

•economic factors such as inflation, the level of economic activity, recession risks and labor market conditions, as well as volatility in market interest rates;

•international political factors,  including ongoing hostilities in Ukraine and the Middle East, political instability, tariffs, including the effects of tariffs on domestic markets and industrial activity and employment, border taxes or restrictions on remittances or transfers from the outbound countries in which we operate or plan to operate;

•volatility in foreign exchange rates that could affect the volume of consumer remittance activity and/or affect our foreign exchange related gains and losses;

•consumer confidence in our brands and in consumer money transfers generally;

•expansion into new geographic markets or product markets;

•our ability to successfully execute, manage, integrate and obtain the anticipated financial benefits of key acquisitions and mergers;

•cybersecurity-attacks or disruptions to our information technology, computer network systems, data centers and mobile device applications;

•the ability of our risk management and compliance policies, procedures and systems to mitigate risk related to transaction