Operator

Good day and welcome to the MoneyHero Group Fourth Quarter and Full Year 2025 Earnings Conference Call. [Operator Instructions] Also note that this call is being recorded.

I would now like to turn the call over to Gretchen Kwan, Corporate Communications Lead. Please go ahead.

Gretchen Kwan

Hello, everyone, and welcome to MoneyHero 2025 Q4 and Full Year Earnings Conference Call. I'm Gretchen Kwan, Corporate Communications Lead at MoneyHero. Before we begin, I would like to remind you that today's call will include forward-looking statements, which are inherently subject to risk and uncertainties and may not be realized in the future for various reasons as stated in our earnings release, which was issued earlier today and is also available on our IR website. In addition, please note that today's discussion will include both IFRS and non-IFRS financial measures for comparison purpose only.

For reconciliations of these non-IFRS measures to the most directly comparable IFRS measures, please refer to our earnings release and SEC filings. Lastly, a webcast replay and a script of this conference call will be available on our IR website. Joining me on the call today is Danny Leung, Interim CEO and CFO, who will go over our strategy and business updates, operating highlights and financial performance of the Q4 and full year 2025. This will be followed by a Q&A section.

With that, let me turn the call over to Danny.

Danny Leung

Thank you, Gretchen. Good evening, everyone, and thank you for joining us today. It is a privilege to speak with you as we close out what has truly been a transformative year and quarter for