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| related topics |
| {regulation, government, change} |
| {system, service, information} |
| {acquisition, growth, future} |
| {customer, product, revenue} |
| {condition, economic, financial} |
| {product, market, service} |
| {personnel, key, retain} |
| {property, intellectual, protect} |
| {gas, price, oil} |
| {competitive, industry, competition} |
|
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Our business may be adversely impacted by U.S. and global market and economic conditions.
Changes in the banking and credit union industry could reduce demand for our products
Competition or general economic conditions may result in decreased demand or require price reductions or other concessions to customers which could result in lower margins and reduce income.
If we fail to adapt our products and services to changes in technology, we could lose existing customers and be unable to attract new business.
Security problems could damage our reputation and business.
We may not be able to manage growth.
Our growth may be affected if we are unable to find or complete suitable acquisitions.
Acquisitions may be costly and difficult to integrate.
The loss of key employees could adversely affect our business.
Consolidation of financial institutions will continue to reduce the number of our customers and potential customers.
The services we provide to our customers are subject to government regulation that could hinder the development of portions of our business or impose constraints on the way we conduct our operations.
The software we provide to our customers is also affected by government regulation.
As technology becomes less expensive and more advanced, purchase prices of hardware are declining and our revenues and profits from remarketing arrangements may decrease.
An operational failure in our outsourcing facilities could cause us to lose customers.
If our strategic relationship with IBM were terminated, it could have a negative impact on the continuing success of our business.
If others claim that we have infringed their intellectual property rights, we could be liable for significant damages.
Expansion of services to non-traditional customers could expose us to new risks.
Failure to achieve favorable renewals of service contracts could negatively affect our outsourcing business.
Full 10-K form ▸
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