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1Z0-971 | Oracle Incentive Compensation Cloud 2017 Implementation Essentials

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1Z0-971 - Oracle Incentive Compensation Cloud 2017 Implementation Essentials - braindump

Vendor Oracle
Exam Number 1Z0-971
Exam Name Oracle Incentive Compensation Cloud 2017 Implementation Essentials
Questions 75 Q & A
Recent Update March 18, 2019
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1Z0-971 exam Dumps Source : Oracle Incentive Compensation Cloud 2017 Implementation Essentials

Test Code : 1Z0-971
Test Name : Oracle Incentive Compensation Cloud 2017 Implementation Essentials
Vendor Name : Oracle
Q&A : 75 Real Questions

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Oracle Oracle Incentive Compensation Cloud

eVerge neighborhood Wins Prestigious Oracle Excellence Award for specialised associate of the yr – North america in Mid-Market Cloud solution | killexams.com Real Questions and Pass4sure dumps

SAN FRANCISCO--(company WIRE)--Oracle these days awarded eVerge group with its 2015 Oracle Excellence Award for specialized partner of the yr – North the usa in Mid-Market Cloud answer. The award recognizes eVerge group for his or her commitment to convey imaginative, specialized options and functions in response to Oracle utility and hardware.

eVerge group was introduced the 2015 Oracle Excellence Award for specialized associate of the 12 months – North america in Mid-Market Cloud answer for demonstrating a great and imaginative technical and functional beginning of an integrated Oracle HCM Cloud and Oracle Incentive Compensation solution.

The Oracle Excellence Awards for specialized companion of the year encourages innovation by way of Oracle PartnerNetwork (OPN) individuals, who use Oracle’s items and know-how to create value for shoppers and generate new company abilities.

“eVerge group is pleased with its dazzling tune record of offering innovative cloud solutions that our customers have come to are expecting from our crew,” stated eVerge neighborhood President and CEO Esteban Neely. “we're completely happy that Oracle has recognized our commitment to excellence with these awards.”

“eVerge community has confirmed a very good degree of innovation in providing proven, Oracle-primarily based cloud solutions that may resolve our joint shoppers’ most vital company challenges,” observed Terri corridor, community vp, North the usa applications Alliances and Channels income, Oracle. “We congratulate eVerge group in reaching the 2015 Oracle Excellence Award for specialized associate of the year – North the united states in Mid-Market Cloud. This success is a testomony to their dedication to excellence and to offering valued clientele solutions that drive actual business value and consequences.”

About eVerge neighborhood

founded in 1993, eVerge community refines enterprise tactics and promises functions tailor-made for industrial and public sector consumers focusing on company Intelligence (BI), client experience (CX), commercial enterprise assistance management (EIM), commercial enterprise resource Planning (ERP) and Human Capital administration (HCM). eVerge community is a Platinum degree member of OPN that implements utility solutions in leading companies right through the Americas. For extra suggestions on eVerge group, consult with www.evergegroup.com.

About Oracle OpenWorld

Oracle OpenWorld 2015 gives you the gold standard cloud adventure. The trade’s most critical enterprise conference includes heaps of tutorial periods and contours demos and exhibitions from tons of of partners and valued clientele from world wide showcasing Oracle’s comprehensive cloud choices, including an integrated stack of purposes, platform and infrastructure functions, in addition to converged techniques and industry options. Tens of thousands of in-adult attendees and hundreds of thousands on-line profit advantageous product and business-specific insight to help them seriously change their companies with Oracle. Oracle OpenWorld 2015 is being held October 25 through October 29 at the Moscone center in San Francisco. For more counsel; to register; or to monitor Oracle OpenWorld keynotes, sessions, and more, visit Oracle OpenWorld 2015. be a part of the Oracle OpenWorld dialogue on Twitter #oow15, fb, and the Oracle OpenWorld weblog.

About Oracle PartnerNetwork

Oracle PartnerNetwork (OPN) really good is the newest version of Oracle's partner program that provides companions with tools to greater develop, sell and put into effect Oracle options. OPN really expert offers elements to coach and aid really expert knowledge of Oracle items and solutions and has advanced to respect Oracle's becoming product portfolio, partner base and company possibility. Key to the latest enhancements to OPN is the capability for partners to distinguish via Specializations. Specializations are done through competency construction, business results, abilities and proven success. To discover greater seek advice from http://www.oracle.com/companions.


Oracle is a registered trademark of Oracle and/or its associates.

Emirates NBD rankings with Oracle Cloud | killexams.com Real Questions and Pass4sure dumps

Emirates NBD, a number one financial institution in the location, has stated a lift in earnings performance following the implementation of Oracle cloud solutions.

The bank has carried out Oracle Incentive Compensation management answer to power enhanced revenue performance.

The adoption of Oracle’s compensation utility follows Emirates NBD’s these days introduced AED 500 million dedication to further digital innovation and multichannel transformation of its approaches, products and services.

earlier than the brand new implementation, the bank adopted guide strategies for compensation calculation. The Oracle cloud platform now provides precise time access to performance data and empowers the bank’s revenue and branch managers to make timely operational and strategic selections.

“As a bank that values digitisation to enrich business efficiency, we're delighted to proceed our long standing partnership with Oracle,” commented Suvo Sarkar, senior govt vice chairman, Retail Banking and Wealth management at Emirates NBD. “We faced a pressing business challenge which become the should view the revenue crew performance on a daily groundwork to be able to make required interventions to optimise productivity. The Oracle platform equips us to align and control our frontline superior, leading to superior performance and productivity.”

“Oracle cloud options for the banking sector have been developed with an aim to drive innovation and transformation by means of increasing enterprise agility, reducing expenses and cutting back IT complexity”, said  Arun Khehar, senior vice chairman ECEMEA, functions business Oracle. “we're delighted that Emirates NBD has finished its strategic enterprise objectives with Oracle options. Emirates NBD is on the forefront of the digital transformation pressure in the UAE and we seem forward to collectively reaching many more milestones”.    

Oracle boosts OPN Incentive application and builds two-tier distribution for cloud | killexams.com Real Questions and Pass4sure dumps

At trendy international virtual Oracle PartnerNetwork (OPN) kickoff event, the vendor laid out its associate method for fiscal 12 months 2015 (FY 2015), including new classes, enablement materials and compensation, and highlighted key product focal point areas for the year ahead, together with accelerated opportunities with Oracle Cloud.

The sixth virtual experience of its kind for Oracle's 25,000 partners worldwide become hosted by means of prosperous Geraffo, senior vice chairman of worldwide alliances and channels and Oracle's new channel chief, and additionally featured Oracle President Mark Hurd, Thomas Kurian, executive vice president of product development, and John Fowler, executive vice chairman of techniques, as key audio system, in addition to other Oracle executives.

suitable of mind for companions is compensation. today, Oracle introduced adjustments to the OPN Incentive application, particularly, enhancing on the way it pays associate rebates. Going into impact with FY 2015 business, the supplier will stream from quarterly to month-to-month accomplice rebate funds.

companions will even be capable of get hold of incremental rebates for selling Oracle's virtual Compute equipment, an built-in, utility-described converged infrastructure system, which has been brought to the vendor's Strategic Product listing. 

the day gone by, Oracle delivered the latest version of the Oracle virtual Compute equipment, an engineered equipment offering.

In FY 2015, expect to hear Oracle provide details on how it guarantees to simplify the OPN Incentive program for partners selling Oracle application on Oracle hardware techniques.

Cloud was a strategic center of attention for Oracle in FY 2014, and the supplier vows to build momentum in FY 2015 in cloud options, together with IaaS, PaaS and SaaS, according to Joanne Olsen, senior vice president of North American sales, consulting and world channel functions, who stated that with out companions, Oracle would not have ended the fresh quarter with its top of the line cloud bookings to date. earlier this month, Oracle reported often authorized accounting principles (GAAP) Cloud SaaS and PaaS revenues had been up 25% to $322 million, and IaaS revenues were up 13% to $128 million within the fourth quarter.

"Co-promoting as a percent of SaaS bookings grew every quarter via FY 2014. That means that partners grew in participation, affect and in winning offers with Oracle," she said.

in keeping with the vendor, greater than 600 associate agencies have done Cloud Specializations and 15,000 people have completed Oracle Cloud professional certifications.

these days, Oracle announced a brand new two-tier distribution software for the Oracle Cloud portfolio and should reach out to value-added distributors (VADs) to reach extra companions and greater shoppers. In particular, Oracle will rely on these VADs to determine and allow companions which are top of the line ideal to convey cloud implementations and managed capabilities.

Like cloud, Oracle's engineered methods, vertically integrated hardware and software choices, is a key strategic product focal point for the dealer. in keeping with Oracle, ISVs play a key function available in the market penetration of those techniques.

Oracle nowadays introduced that it elevated certifications for the Oracle Exastack application for ISVs. companions can now turn into licensed as Exastack equipped or Exastack Optimized in Oracle Database equipment and Oracle massive facts appliance.

experience attendees have been also reminded that on June 10, the vendor launched a cellular version of its OPN options Catalog for businesses to identify Oracle partners for his or her business.

To optimize their OPN options Catalog profile, companions may additionally need to take Oracle's options Catalog working towards for top-quality practices. greater than 30,000 clients search the OPN solutions Catalog each and every month, the company said.

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No result found, try new keyword!Oracle ERP, EPM and analytics business, or EEA, continue to make progress as cloud revenue growth exceeded the decline in on-premise implementation ... 42% in the fourth quarter of 2017, primarily due ...

NCR (NCR) Q4 2018 Earnings Conference Call Transcript | killexams.com real questions and Pass4sure dumps

Image source: The Motley Fool.

NCR (NYSE: NCR)Q4 2018 Earnings Conference CallFeb. 7, 2019 4:30 p.m. ET

Good day, and welcome to the NCR Corporation fourth-quarter fiscal-year 2018 earnings conference. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Michael Nelson, vice president of investor relations.

Please go ahead, sir.

Good afternoon, and thank you for joining our fourth-quarter and full-year earnings call. Joining me on the call today are Mike Hayford, president and CEO; Owen Sullivan, COO; and Andre Fernandez, CFO. Before we get started, let me remind you that our presentation and discussions will include forward-looking statements. These statements reflect our current expectations and beliefs, but they're subject to risks and uncertainties that could cause actual results to differ materially from those expectations.

These risks and uncertainties are described in our earnings release and our periodic filings with the SEC, including our annual report. On today's call, we will also be discussing certain non-GAAP financial measures. These non-GAAP measures are described and reconciled to their GAAP counterparts in the presentation materials, the press release dated February 7, 2019, and on the investor relations page of our website. A replay of this call will be available later today on our website, ncr.com.

With that, I would now like to turn the call over to Mike.

Thanks, Michael, and thank you for joining us today for our fourth-quarter and full-year 2018 earnings call. I will begin with some of my views on the business before turning it over to Andre, who will review our fourth-quarter and full-year 2018 financial performance, as well as discuss our outlook for 2019. Then Owen, Andre and I will take your questions. I'll begin on Slide 3 with my thoughts on not just the fourth quarter, but also the last nine months I've spent as CEO and where NCR is as we enter 2019.

The fourth quarter was in line with our expectations, while the full year was within the guidance range we provided on our second quarter earnings call. The results demonstrate the progress we are making improving our execution and stabilizing our business. As I've stated in the past, our primary goal in 2018 was to take care of our customers, to improve execution around our new product introductions and begin to build a stronger and more efficient NCR. The fourth quarter included some highlights that showed the success we're having executing our strategy and laying the groundwork for improved performance in the years ahead.

First, our services business continues to generate improved margins via the ongoing implementation of our transformation initiatives. Second, we grew our recurring revenue in the quarter and for the full year. And third, our manufacturing network restructuring resulted in a significant ramp-up of hardware production and lower costs than in the third quarter. As we previously discussed, in the second and third quarters, we experienced challenges with our hardware delivery, including supply chain issues with the rollout of our 80 Series ATMs, production manufacturing ramp-up at our outsourced partners and difficulty scaling our new distribution center.

As we enter 2019, we believe these issues are largely behind us. In the fourth quarter, we entered the payments business through the acquisition of JetPay, which provides NCR with the ability to offer turnkey, integrated point-of-sale and payment bundles to our customers. Our entry into payments processing supports our strategy of accelerating growth and shifting the mix to more software and services-led recurring revenue. Lastly today, we are introducing our full-year 2019 guidance targets.

Andre will review our outlook in more detail during his remarks. Our guidance is consistent with the strategic plan we outlined at our November 7 investor day in New York. We will move from stabilizing the business to returning to growth as we invest in our strategic growth platforms. Slide 4 outlines the value creation plan we shared at our recent Investor day.

Our strategy for creating long-term shareholder value is threefold: No. 1, drive top line revenue growth by investing in our strategic platforms. No. 2, continue to shift our business mix to recurring revenue streams and away from hardware toward software and services-led offerings.

And No. 3, a sharp focus on optimizing our spend to improve our operating margins. On Slide 5, our investments in our products will be focused on areas that accelerate the mix shift and support revenue growth. These are businesses where we currently have strong assets that we believe we can leverage for growth, including a strong market share, competitive product offerings and/or strong brand distribution and service.

The platforms include digital first banking, where we will be increasing investment in digital insight until we capture market share. We will also accelerate investments in our next-generation multi-vendor ATM software solution, as well as in our transaction processing software. Next, in digital first restaurant, we will accelerate investment in our Aloha cloud point-of-sale solution as we migrate from a software license to a subscription model. Likewise, in digital first retail, we will continue to invest in Emerald, our next-generation cloud-based retail point-of-sale solution, which also facilitates the transition to a subscription model.

In digital connected services, we will continue to invest in technology such as remote and predictive diagnostics, which will drive efficiencies and generate incremental margin expansion in services. In digital convenience and fuel, we will accelerate investment in our Optic solutions to offer additional features, including integrated payments and EMV certifications. Finally, in digital small business essentials, we will expand our NCR Silver product capability, including the full integration of payment. We will also increase marketing spend to accelerate adoption.

These six strategic growth platforms are areas where we are delivering proven value and competitive advantage to customers today. During 2019, we will be prioritizing investments in these six platforms through increased spend as we accelerate software-related investments to further strengthen our growth profile. This approach will result in higher CAPEX in 2019 as we pull forward investments, resulting in capital allocations that will be weighted more heavily toward internal investments than targeted M&A. It's important to note that while our capital allocation priorities have shifted toward higher internal investments and reduced M&A in 2019 relative to what we have previously targeted, our overall capital outlay remains largely the same.

We are accelerating investment back into our business, but we'll continue to look for inorganic opportunities that are consistent with our digital first and recurring revenue focus. On Slide 6, we provide an update on our productivity initiatives, which we mentioned on our last call. We simplified this around three key areas. First, we continue to grow our services revenue and margin through our productivity actions.

We've had great success with this program, as evidenced by the performance of our services segment in both fourth-quarter and full-year 2018, which obtained an operating margin improvement by 110 basis points over 2017. Second, our hardware manufacturing transformation initiatives aimed to increase our plant utilization rate, lower our overall cost and facilitate a move to more variable production model in partnership with third parties. As you know, in 2018, we successfully closed three facilities and began to outsource manufacturing, production and logistics. Finally, our plan to improve productivity also includes a targeted reduction of other expenses, including SG&A and other discretionary items, to generate at least $100 million in savings in 2019.

We believe these cost actions will address some of the cost creep we have had in recent years, as well as offset some of the incremental costs we face in 2019. Andre will address this in greater detail in a few minutes. With that, let me pass the call over to Andre.

Andre Fernandez -- Chief Financial Officer

Thanks, Mike. Moving to Slide 7, in an overview of our fourth-quarter financial performance. Consolidated revenue was $1.8 billion, up 1% as reported and up 3% constant currency. Revenue was driven by growth in our services and hardware businesses.

Our non-GAAP gross margin rate decreased 180 basis points as reported and 200 basis points constant currency. Margins contracted in our software and hardware segments, which was partially offset by ongoing margin growth in services as our process improvement initiatives continue to take hold. Non-GAAP EPS was $0.84 and in line with our expectations. Free cash flow was $317 million in the quarter, which was impacted by lower earnings year over year and higher inventory associated with increased hardware production as well as the cash impact of our restructuring in Q4.

I'll speak more about our restructuring activity shortly. Slide 8 shows our financial highlights for the full year. Revenue was down 2% on both an as-reported and constant currency basis. The revenue decline was driven by lower hardware sales, which was partially offset by higher services revenue.

We continue to make progress expanding our recurring revenues, which increased 3% in 2018 and comprised 46% of total revenue. For the full year, our non-GAAP gross margin rate decreased 140 basis points constant currency, driven by higher costs in our software and hardware segments. Non-GAAP diluted EPS was $2.62 for full-year 2018, which was within our guidance range. Free cash flow for the year was $223 million, below recent guidance and which was negatively impacted by higher working capital, driven by a higher hardware backlog at year-end and as a result, seasonally higher production expected in the first quarter of 2019.

Moving on now to each of our segments. Slide 9 shows our software segment results. Software revenue was essentially flat year over year, excluding FX. Software license revenue was down 4% constant currency due to lower unattached sales, primarily in banking, partially offset by higher ATM-related license revenue in connection with higher ATM sales.

Software maintenance revenue declined 5% constant currency due to lower software license revenue from prior periods. Cloud revenue was up 5% constant currency and was helped by the addition of our JetPay acquisition in December. Operating income was down, driven by higher third-party software content, partially offset by lower SG&A and was helped by some of the restructuring actions taken in Q4. Slide 10 shows our services segment results, which enjoyed a strong quarter.

Top line revenue and gross margin increased 5% and 16%, respectively, constant currency. We continue to benefit from a greater volume of managed service offerings and increased share from our current installed base. Services margins continued to expand as a result of our Mission One transformation initiatives, which have improved productivity and efficiency. Moving on to Slide 11, which shows our hardware segment results.

Revenue increased 4% constant currency, with ATM revenue up a strong 26%. During our last earnings call, we projected a ramp-up in ATM production to fulfill a growing backlog as we alleviated supply chain constraints related to our ATM 80 Series product line earlier in the year. The result was a meaningful increase in our backlog conversion rate, which resulted in strong ATM revenue performance during the fourth quarter. While we came up a bit short of hitting our target for flat ATM revenue for the year and were down 3%, we were pleased with our performance in the quarter as we ramped production across the entire hardware segment and improved coordination with our external partners.

We closed 2018 with hardware backlog 9% higher than 2017. The increase in ATM revenue was partially offset by decreases in self-checkout and point-of-sale of 16% and 12% constant currency, respectively. Self-checkout revenue was down, largely due to the timing of customer rollouts, which were pushed into the first quarter, as well as a significant comp from a year ago. Point-of-sale revenue was lower in the quarter due to several large customer wins in the prior year when point-of-sale revenue increased 20%.

On the margin side, while hardware operating income decreased year over year due to higher costs that included expediting and warehousing, on a sequential basis, our operating loss narrowed significantly as a result of increased production, as well as our productivity initiatives. As we've said previously, returning hardware to profitability is a primary objective of the company, and the initiatives we took in 2018 to redesign our manufacturing network and improve supply chain logistics will improve profitability over time. Slide 12 shows our free cash flow for the fourth quarter and the full year. Both Q4 and fiscal year 2018 represent solid free cash flow performance but were lower than the prior year, primarily due to lower earnings and increased working capital, primarily inventory.

Slide 12 also shows our net debt to adjusted EBITDA at the end of Q4 and for the full year. We finished 2018 at 2.8 times which is equal to Q3 of 2018, but up from prior year due to lower income from operations. In addition, recall we closed on both our acquisitions of JetPay and StopLift in Q4, which, combined, represented over a $200 million use of cash in the quarter, which would have otherwise been used to pay down debt. On Slide 13, you will find our full-year guidance for 2019, which is the result of a detailed planning process we conducted with our new leadership team in Q4 and aligned toward the strategic growth platforms outlined on investor day.

Total revenue growth is expected to be in the 1 to 2% range, including acquisitions. Note in our revenue guidance that as our business model changes and we begin to bring new products to market, we will begin to shift from perpetual license revenue to subscription-based revenue, which may have a dampening effect on our overall revenue as we grow our recurring revenue base. As we move through 2019 and beyond, we'll update you as to our progress, as well as the impact of the shift on our financials. Beginning in 2019, we have reorganized the business by industry and will change our reporting segments effective Q1 2019 to banking, retail, hospitality and other.

The latter including businesses which are not material for separate disclosure. This change will help us invest in a product mix unique to those industries and that focuses on recurring software and services to drive profitable growth. Although we will not be providing guidance by segment, we think it would be helpful to provide the size of each segment. Banking comprises roughly 50% of total revenue; retail, 33%; hospitality, 12%; and other, 5%.

We will continue to report total company software, services, hardware and recurring revenue in order to track our progress against our strategy to drive more recurring software and services revenue. Beginning with our first quarter 2019 earnings call, we will begin to report our results on this basis and as is required, we'll also provide eight quarters of historical financials restated on the same basis. 2019 EBITDA is expected to be $1.04 billion to $1.08 billion. Our 2019 GAAP EPS is expected to be $1.91 to $2.01.

Our non-GAAP EPS is expected to be $2.75 to $2.85 for the full year. We have assumed a tax rate of 23 to 24% and a share count of 151 million shares. For a reconciliation of both adjusted EBITDA and non-GAAP EPS, refer to the supplemental schedules in the earnings release. We expect free cash flow for the year to be in the 300 to $350 million range, up from $223 million in 2018.

We also expect the linearity of our cash flows to follow a similar pattern to previous years, with the majority of free cash flow generated in the fourth quarter and higher working capital requirements earlier in the year to meet our higher backlog. We have also outlined our plan for capital allocations for 2019 and have prioritized internal investments in our strategic growth platforms. As a result, we are increasing our software-related investments to accelerate product launches and enhancements and to position the company for future growth. We expect to increase CAPEX to a range of 350 to $375 million, and we'll allocate these funds primarily to our strategic growth platforms, which we believe will drive the highest growth and return on investment in the next three to five years.

On the M&A side, to offset the higher planned CAPEX, we expect to decrease our M&A target to the 300 to $400 million range. And we'll prioritize targets that will add to our software product portfolio, further expand our global distribution and increase our services revenue. And finally, we expect share repurchases of approximately $100 million to offset dilution, which is lower than amounts repurchased in previous years. Overall, we intend to maintain a strong financial profile with manageable leverage and ample liquidity.

Slide 14 shows a bridge from 2018 actual EBITDA to 2019 EBITDA and is intended simply to give you a high-level depiction of our earnings drivers for 2019. First, on the left-hand side of the page in red, we depict the three main margin headwinds we face in 2019. First is price and mix, something that we deal with annually. We believe that the impact this year will be less than previous years as a result of better pricing discipline, improved contracting and more dynamic pricing models we are implementing to appropriately price our bundled offerings.The next two bars are perhaps our most significant expense increases.

After several years in which compensation to our employees, both fixed and variable, was well below expectations, we plan on returning to a normalized year where we meet our commitments to our employees and reinvest in them via appropriate merits and incentive pay. Real estate costs will also be up, primarily from the opening of a second office tower late last year at our Atlanta headquarters location and for which, we'll have a full year of OPEX this year. These headwinds will be more than offset by a number of earnings drivers listed here in green. First, business growth represents planned increases in volume across our business and helped by a strong backlog position in both ATMs and self-checkout as we begin the year, combined with continued services growth.

Next, following a strong 2018, we expect services margin to continue to expand as a result of our productivity actions, though at a slower rate than previous years as we partially reinvest to support the revenue growth and as year-over-year comparisons become more difficult. Next, a recovery in hardware will be a big driver of margin next year. First contained in this bar is the usual variable cost productivity we drive annually in our manufacturing operations, primarily on the direct material side, which is intended to offset price and other erosion. But this year, we are also helped by lower cost from our hardware transformation efforts as we realize a full year of savings from our plant consolidation efforts and are now fully established with our manufacturing and logistics partners.

We'll also sharply reduce onetime costs we incurred in 2018, primarily in the areas of transportation and warehousing as we shifted to our new model. The result should be improved profitability and an operating loss in hardware that is significantly less than 2018 and that we hope puts us on a path to breakeven. And finally, in OPEX, our plan to generate at least $100 million in annualized savings, the bulk of which is OPEX, remains on track. The majority of these savings have already been achieved, primarily through workforce reductions, as well as writedowns of IT projects, which are no longer considered strategic and where we have abandoned future development and use of the assets.

The balance of the savings will be realized throughout the year, and we fully expect to meet or exceed this savings goal by the end of the year. As mentioned in our earnings release, in the fourth quarter, we recorded a $64 million charge related to these actions, which is excluded from our non-GAAP EPS and which impacted cash by $19 million. We expect to incur an additional $30 million charge in 2019, which will also be excluded from our non-GAAP EPS and will impact cash by an additional $40 million to $50 million and which is already contemplated in our free cash flow guidance. In total, our operating expenses as a percentage of sales, excluding our JetPay acquisition, will be similar in 2019 as 2018.

And as you can see, our projected EBITDA growth in 2019 is being driven by increases in revenue and gross margin, primarily from productivity in both hardware and services while keeping our operating expenses in check as we reinvest in our people. With that, I'll turn it back to Mike for closing comments.

Mike Hayford -- President and Chief Executive Officer

Thanks, Andre. In closing, we spent the better part of 2018 getting back to basics. We refocused on our customers, organized our company around profit centers, delivered critical products to the marketplace and strengthened our management team. We entered 2019 with improving execution and expect to mark a return to growth.

We remain steadfast in our strategy to shift our revenue mix toward more recurring software and services and are increasing our investments in our six strategic growth platforms as we look to accelerate our transformation. We have made tremendous progress over the last nine months, and I'm proud of the entire NCR team and their commitment to our customers and the energy and excitement they have shown in support of reshaping the future of NCR. While there is much work left to be done, I believe we are on the right path to invigorating our business and elevating the competitive differentiation we offer customers around the world. Thank you for your time.

And now Andre, Owen and I will take your questions. 

Questions and Answers:


[Operator instructions] We'll take our first question from Dan Perlin with RBC Capital Markets. Please go ahead.

Dan Perlin -- RBC Capital Markets -- Analyst

Thanks, guys. Good evening, and thanks for all the incremental detail. I had just a couple of quick questions. First was around the ATM growth in the quarter.

It was very nice to see it rebound up 26%. You did say it came a little bit short of expectations, and I'm just wondering what drove that delta for you guys. I know that you had been running at the supply level. I thought that would kind of get you to flat.

So just wondering if there were some call-outs there first.

Mike Hayford -- President and Chief Executive Officer

Yeah, Dan. Thanks. To say it's below expectations, I think I'd say it this way: We had kind of set a goal to get back to year-over-year even on our revenue of ATMs. And as we shared in second, third quarter, we actually had pretty good orders, and we were a little bit constrained by our ability to manufacture, which picked up in the third quarter and continued through the fourth.

So I think what we'd say is we had enough orders and backlog to get to a year-over-year flat number. And the teams worked really, really hard to get the boxes out the door, get them shifted and installed. But we were a little bit short. And the constraint there was really manufacturing side as opposed to orders or backlog.

Dan Perlin -- RBC Capital Markets -- Analyst

OK. So a little more of timing and so the expectation would be the incremental falls into the first half of the year -- first quarter of the year. The second thing is on the pivot away from M&A to internal investments. And so I'm wondering, was it something that as you were going through the strategic planning process that you realized now was the time to act to invest in these internal investments, in particular around software? Or was it a function of just M&A opportunities that were just beyond your balance sheet at the end of the day?

Mike Hayford -- President and Chief Executive Officer

Well, I think I'd say, first, what you described, we laid out our six kind of strategic platforms in November. And what those are, those are areas that we feel strong that we've got assets that we can leverage and take to market and win. And so we laid out the six areas. As we put our plan together for investment, we've got some internal build-out that we need to do.

And we talked about Aloha and bringing that to cloud. We talked about the Emerald product, which we've got up and running at a couple of sites already end of this year that we're going to put some more money in, which gets it to a cloud-based retail product. We talked about Silver. We talked about what we're doing in the petroleum area with our Optic product; and then what we're doing with Digital Insight, what we're doing with activating Authentic on the bank side.

So we looked at a series of products. We looked at the current pace and plan that we have been executing for the last couple of years and said we have a chance to accelerate that and spend a little bit more money in '19 and get to market faster. So we made the decision to do that. I don't think I'd looked at it and say we could not find enough M&A opportunity.

I think we still see M&A and kind of at the level that we had indicated in November at investor day where we're going to be buying a little early stage. We're going to buy product. We're going to buy distribution. We're going to buy some market share and get some leverage out of areas, particularly in our global services and professional services area.

So I think we still see the opportunity, but clearly, as you referenced, there's some larger ones that we will not participate in. But as we looked at '19, we said let's spend -- shift a little bit more into internal CAPEX and then spend a little less on M&A just based on the opportunity to build out our internal products.

Andre Fernandez -- Chief Financial Officer

Hey, Dan, it's Andre. Just to add, I think when you look at the performance of our software business, in particular, you see it's not exactly where we want it. So with the margins, I think in my prepared remarks, the margins came down in part because we're incorporating a lot of third-party product. And I think as Mike said, we need a broader software portfolio to rely less on third party.

So I think we think of M&A with that in mind. Also, too, you look on something like software maintenance as we've had, although they're getting better, some product quality issues. So part of our CAPEX is also investing to fulfill -- to meet a technical debt in software that we think will then improve our software maintenance revenues and margin over time.

Dan Perlin -- RBC Capital Markets -- Analyst

Great. I just want to sneak one more in, if I could, to Andre. So the 1 to 2% guidance, two things. One is, what's the FX assumption embedded in that? And then two, it wasn't clear if you were suggesting that the shift toward subscription revenues was not already contemplated in that.

You made it sound like that might be up for review to the extent that that we're going to accelerate. Thank you.

Andre Fernandez -- Chief Financial Officer

Yeah. I don't think we've disclosed. We anticipated some FX headwind in there. The FX overall was neutral for us for this year, but there is some implied in there.

I think it's around 1% or so. And then we also have our acquisition in there, and that's also 1%. So again, there's -- when you add JetPay, the amount of organic revenue growth is somewhat limited. I think when I hinted at the shift, that really wasn't an impact so much in '18.

But as we develop the new products and actually, we're starting to see on the margin now that we're forced to decide whether we take something as a term license or we take it as a subscription. And so as we start to consciously do that and to the extent that it impacts our revenue, we just said, listen, we want to, we'll keep you updated to the extent that it does and update you along the way. So there is some of that happening, which is contemplated in the 1 to 2%. To the extent that it increases, we'll keep you posted.

Mike Hayford -- President and Chief Executive Officer

Yeah. Let me just add some color. So we talked about strategically the mix shift to recurring, and we set some goals to move from the mid-40s, which is where we ended up in '18, up north of 60% over a five-year period. We also talked about shifting the mix away from hardware to software to services -led offerings.

So as Andre and Owen and the team built the budget, we looked at specific products that we have ready to go to market and sell it as subscription so we get a recurring revenue. And those are contemplated in the plan. I think the other point is if we could accelerate and move faster to subscription, we would. So right now, we have baked into the plan a level of migration to subscription that we believe is going to happen.

If we see an opportunity to accelerate, we will take advantage of that, and then we will share with you what happens during the year.

Dan Perlin -- RBC Capital Markets -- Analyst

Great, thank you.


And we will take our next question from Katy Huberty with Morgan Stanley. Please go ahead.

Katy Huberty -- Morgan Stanley -- Analyst

Yes, thank you. Good afternoon. First question, how are you thinking about first-half versus second-half revenue and earnings seasonality? Obviously, the company has had some back-end-loaded years or expected some back-end-loaded years coming into both '17 and '18. How are you thinking about seasonality in 2019?

Andre Fernandez -- Chief Financial Officer

Thanks. Katy, it's Andre. So in my prepared remarks, I think I mentioned the cash flows. I think we'll be very consistent with what's been the four, five-year average.

And likewise, our EPS at plan is also consistent with the four to five-year average. So I think that's very much in line. When you look at then what's happening over the course of the year, remember, you're starting the year with a very strong hardware backlog, and that's going to be offset by -- remember now we've got an acquisition of JetPay, which is initially dilutive and then improves over the course of the year. You've got interest, which is higher.

Interest has been increasing over the course of '18 and now, it's higher throughout '19. Also, our -- as you saw our tax rate, which was 19% in 2018 is higher in Q4 of '18, and then we've given you a 23 to 24% guidance for next year. Also, remember now some of our investments are around things like Silver, which Mike talked about in his prepared remarks, and also anticipated software margin improvement that we think we're going to get over the course of the year as we resolve product quality issues and as we spend additional CAPEX in software. So again, overall, I think, again, sequentially in line with the last four or five years.

By the way, that -- as a data point, I think first quarter was about 16, 16 and a half percent of total year EPS. That's our four to five-year average. And then when you just look at the comp of '19 versus '18, you'll see a better earnings comp just year over year not versus the four, five-year average in the second half of the year. Because recall, the second half of '18, particularly the third quarter, was difficult for us with the manufacturing issues we had.

Katy Huberty -- Morgan Stanley -- Analyst

OK, that's helpful color. On gross margins, they were down 200 basis points in the fourth quarter. Obviously, tied to the work that you're doing in hardware, which is still in process. But with this strategy, this shift toward software and services, clearly, the gross margins need to start moving in the right direction to match that strategy.

When do you think you'll be through the work in hardware so that that's not holding you back from showing the right margin trajectory?

Owen Sullivan -- Chief Operating Officer

Yeah. This is Owen, Katy. I think, from our perspective, we came through -- or entered the fourth quarter with still some noise in the system, if you will. Our confidence level leaving the fourth quarter is significantly higher.

We believe that from the supply chain perspective, we have qualified the suppliers that we needed to introduce into the supply chain. We have rationalized the supply chain and stood them up around the local markets in Mexico and Budapest and Chennai. And we think we've got the production levels of performance where we need them. So we come into '19 feeling good about both the production and eliminating the headwinds on expedites and extraordinary costs for meeting the manufacturing needs in the fourth quarter.

And now we need to turn our attention to really leveraging what we've got in place from a cost efficiency, cost performance standpoint. So we do believe we're back on track. We -- I want to see us perform at the production levels and at the efficiency levels as we go through the first quarter into the second quarter. We're feeling like we're on the proper trajectory to start moving the hardware margins much closer to the breakeven that we're all looking for.

Mike Hayford -- President and Chief Executive Officer

I mean, Katy, since -- the bridge that Andre provided on the EBITDA lock, I think, speaks to what's going to happen in hardware, that in addition to some of the supply management that we do on an annual basis, we have costs that we incurred in '18 over the transformation such as expediting and moving materials around and expediting and moving finished goods around that we will not incur. And we also had costs related to transitioning from a couple plants that we owned to an outsourced provider. And we have some overlaps. So those costs go away in '19.

And so to Owen's point, we'll make a nice headway into improving profitability. We don't believe we'll get it to -- profitable in '19, but we'll make a pretty good movement and make it much more toward breakeven.

Katy Huberty -- Morgan Stanley -- Analyst

Good to hear. Thank you.


We will take our next question from Dan Kurnos with The Benchmark Company.

Dan Kurnos -- The Benchmark Company -- Analyst

All right. Great, thanks. Good afternoon. Maybe if you guys -- I know you touched a little bit on this in the script and in the slides.

But just you mentioned Service wallet share. Obviously, that was kind of a big highlight to the upside, in our view, in the quarter. Customer satisfaction, you called out, but any other incremental color you could provide there? And then just on JetPay, I know that you guys talked about some immediate customer uptake once you guys had it on the platform. You've given us some parameters around expectations for the year, but if you could help us think how much of that is sort of organic JetPay growth versus how much of that is assumed customer wins and where there might be some delta there would be helpful.

Mike Hayford -- President and Chief Executive Officer

Yeah. Let's start with the services. So again, I think we were pleased, year-over-year services, our margin increased by 110 points or 140 on a constant currency perspective. So we're continuing to see where we've made investments now in '17 and '18, specific actions that we've taken to improve the technology that we leveraged, to improve the model that we used in terms of kind of the hub-and-spoke that we're using for services.

And then as you referenced, we're very focused on service. We did a number of things. So in addition to improving the margin, we did a number of things on the service platform to improve our delivery to our customers and to focus not just on meeting our contract commitments, but focus on winning against our competitors. So specifically, ATM market, our goal is to be the best provider in the marketplace not just meet our obligation.

So services, we feel very good about heading into '19, and the plan for '19 is to continue to improve service quality and get some margin expansion. On JetPay, obviously, we've picked up a book of business. And the plan is to really just to go into our businesses where we already have a relationship. We have a relationship on the point-of-sale with hardware and with software in both the Hospitality business and also the Retail business.

So existing customers who are using, in some cases, our hardware, our point-of-sale system that drives their enterprise, as well as a payment gateway like connected payments. And then we would attach the merchant acquiring services that we picked up with the JetPay acquisition and complete the transaction and take a fee for that. So the team right now, you may have seen with the press release literally the day after we closed, we have an Aloha client up and using JetPay for merchant acquiring. We continue to focus on adding more clients.

We'll do that throughout the year. We'll add scale and capacity to JetPay, and our goal there is to cross-sell. So we have -- a chunk of the growth related to JetPay in '19 is not just year-over-year acquired revenue but also growth in that business.

Dan Kurnos -- The Benchmark Company -- Analyst

Great. And if I could just sneak one more in, just to ask the M&A question a little bit differently. How much do you think -- if you're looking at kind of the three to five-year plan, Mike, that you've outlined here, how much of the decision is -- you're looking at the, as you put it, internal maybe deficiencies or whatever it is on the tax stack. I think maybe Andre brought that up.

How much of that is holding back growth versus going out there and buying kind of what you need to tuck in to have this thing with the right mix and the right growth trajectory on kind of a three to five-year time horizon?

Mike Hayford -- President and Chief Executive Officer

Yeah. I think, again, we looked at some of the assets that we have today. Example would be in hospitality, the Aloha product, which has a very, very strong market share. And we said we're much better off investing in Aloha, continue to add feature-function, taking Aloha to the cloud and then continuing to pick up market share than trying to go out and tack that on another product.

So same in retail with the Emerald product and the investments we're going to make in Emerald. I would say the same in Digital Insight for what we're -- where we have hosted offerings focused on the U.S. We believe we have a very strong product, and we felt better about investing in our own product in those three examples than we did going out and acquiring. But I don't want to -- so we still think there's opportunities to do M&A.

We're going to continue to pick up products. And again, to put it into perspective, we think our brand and our distribution reach and our ability to install and implement with our services platform is stronger and larger than the product mix that we have. So we look at it as an opportunity to pick up more products like we did with StopLift, like we did with Zipscene where those are going to be cross-sell products. We've picked up a HR and payroll system with the JetPay acquisition that we're going to cross-sell under the SMB market.

So we'll continue to look opportunistically at areas that we can expand just based on, we think we have some leverage room with our footprint.

Dan Kurnos -- The Benchmark Company -- Analyst

Great. Thanks for all the color.


Moving next, we'll go with Matt Summerville with D. A. Davidson.

Matt Summerville -- D.A. Davidson -- Analyst

Thanks. Two questions. First, can you just comment specifically on the ATM business? Maybe talk about the underlying tempo you're seeing in terms of incoming order rates across the three major regions, kind of frame up the market, if you will, and kind of removed from that the noise around the delivery challenges, etc., that you would have over the course of the year. Again, trying to get a real feel for the underlying tempo in that business specifically.

Mike Hayford -- President and Chief Executive Officer

Yes, this is Mike. Let me just start with -- kind of at a macro level then I'll have Owen and Andre kind of cover the regions. So again, 2018, I don't think -- considering it was a pretty good ATM year for us, that we start to ramp up in the third quarter then we're hitting the stride in the fourth quarter with manufacturing. But again, we had strong enough orders that we still exited the year with a backlog.

And so we feel good about running into '19 that we've got our plans able to address the backlog and convert that into revenue. So year over year, we look at ATMs, where last year, we were struggling to get to breakeven. We think we'll get a little growth out of ATM business this year into '19. And we -- a little bit of that conviction is just the backlog is strong.

And then we -- everything we're seeing is that the market is still holding up for ATMs, predominantly, it's literally as they replace branch function, less as a cash dispenser and more as a substitute for automating what takes place in a branch for both personal lines and small biz lines. Owen, do you want to speak to kind of the...

Owen Sullivan -- Chief Operating Officer

Yes, I would agree with all of that. If we look at '18, had our manufacturing environment held pace to '17, meaning if we had maintained the same conversion rate, we would have been flat, probably up 1 point on ATM. So the momentum was there. What was seen in terms of backlog right now, our order rate is around -- just about 9% growth year over year.

And our backlog coming into the first quarter is up 22%. So we think we're feeling the momentum that the market is -- we still think exists in the marketplace. Demand for the 80 Series is very strong. We're getting good tailwinds from both Win 10 and from some of the competitive activity out there.

Across the regions, I would say the U.S. market continues to be very strong. Europe is flat to slightly up. We're seeing less and probably down in the Asia Pacific market.

But generally, we see that momentum coming out of the year into certainly '19 with a pretty strong outlook that if we keep executing out in the field and keep producing at the level we are, we should have a good ATM performance in '19.

Matt Summerville -- D.A. Davidson -- Analyst

And then just as a follow-up question. Would you guys be willing to parse out the magnitude of onetime, I'll just call them, hits you took in the hardware business due to some of the self-inflicted stuff that you've talked qualitatively about today?

Mike Hayford -- President and Chief Executive Officer

Yeah. I mean, we -- again, we had a couple of different areas that hit us because of all the transportation and the movement, we had all the plans. I don't know, Andre, if there's a rough kind of range that that hit us with.

Andre Fernandez -- Chief Financial Officer

Well, listen, I think what you saw in our charts was on an operating basis, we lost, I think it's in the supplementals, $125 million this year. But sequentially, that is improving. And I think we're saying, listen, we're not going to break even next year, but we're going to dramatically reduce that loss. And I think we're going to try to cut that by more than half.

So that's $50 million to $60 million that we're going to pick up through a combination of onetimers in 2018 that won't repeat, a better pricing environment, some savings also that we're getting from our manufacturing transformation initiatives as well. So year over year, again, we're going to shrink that deficit by probably at least 60 million, $70 million.

Matt Summerville -- D.A. Davidson -- Analyst

Thank you very much guys.


Moving next, we'll take a question from Ian Zaffino with Oppenheimer Funds. Please go ahead.

Ian Zaffino -- Oppenheimer and Company -- Analyst

Hi. Thank you very much. The question will be on the services side. We've seen some nice margin expansion there.

How much more do you think there is? Or do you have a target out there that's -- internally that you're targeting?

Mike Hayford -- President and Chief Executive Officer

Yeah. We're pretty pleased with the improvement last year, 110 basis points or 140 on a constant currency basis. Our goal has been, each quarter, to pick up some improvements. We've got some plans in '19 to continue to pick up incremental over the course of '19.

I do think we expect it to slow down. I think the improvements we've seen the last couple of years with the very focused effort and the efforts been focused around not just cost take-up but changing the model, also driving revenue and driving efficiency with scale. So I think you're going to see that slow down a little bit in '19, so we will not get quite the same margin expansion. And then what I would say is going forward, I think we feel good about the model, and we need to add some scale to it, meaning add some more customers in a market to continue to get basis point improvements.

So I'll leave it at '19, we'll get a little bit of increase, and then we'll have to look heading into '20 whether we could pick up some more expansion.

Ian Zaffino -- Oppenheimer and Company -- Analyst

OK. And then just a follow-up on the revenue guidance. It seems like so-so. I think you said organic revenues will be roughly flat to maybe up 1%.

Is that what you said? And then, I guess, the follow-up is really what I'm getting to is, how do you see it breaking out between the different businesses and the different divisions as far as -- will everything be a rough grow or a rough flat, do you expect any declines, etc. Thanks.

Mike Hayford -- President and Chief Executive Officer

Yeah. I'll start with the kind of revenue roll. So we said 1 to 2% revenue growth. And again, if you look at JetPay, that's almost one point.

So organically, you could look at that and say it's 0 to 1%. I think what we shared at investor day is we were going to get back to growth in 2019. And based on '18, it was off a couple of points. And so we do plan to get growth in '19.

We built a plan that we feel good about. But again, we're looking at not only getting back to growth and driving some incremental improvement in our profitability, we're trying to change the business. And I think we shared at investor day that this is a three to five-year journey that will continue to get some growth. But including in that growth is changing the mix and moving it to recurring.

So we're going to have a little bit dampened revenue growth because we are going to be shifting from our businesses to subscription-based. You're going to see us move from hardware to software and services. We have a lot of investment going on in software and services in 2019 so we can continue that move. But again, it's not going to be a one-year shift.

It's going to take a couple of years to get there. So I'll let Andre give a little color into where we see the growth.

Andre Fernandez -- Chief Financial Officer

Yes. No, I think you hit it. It's -- we said JetPay, so payments, not only the core business, as Mike said, but also attaching payments onto things like Silver, which is one of the key areas that we're investing in. So as we spend CAPEX on Silver and ramp-up Silver, every Silver box that goes out, it's going to have a payment solution connected to it as well.

So you got payments, Silver and the payments related to Silver, the ATMs we talked about and then a shift in licenses, as we said, I think on the margin, we're looking at potentially lesser term licenses in some areas and then more toward recurring, which could have a dampening effect. I think where the margin growth and it's going to come from is just more productivity, both in, as I said, as we spend more in getting margin improvement on the software, as well as the hardware that we talked about.


We'll move next to Rob Wildhack with Autonomous Research. Please go ahead.

Rob Wildhack -- Autonomous Research -- Analyst

Hi, guys. I wanted to ask a little more about the shift from license to subscription. Can you talk about any feedback you've received from customers so far and if there's been any diversions in those responses across the different verticals?

Mike Hayford -- President and Chief Executive Officer

Yeah. Let me -- so again, we're at the beginning of that journey, and we did very little in '18. You could just assume none. I mean, we put plans in place.

We had some products. We don't have all of our products ready to make a shift to subscription or cloud. So we didn't have much in '18, by the way, of going out and sampling the market. Owen and his team have done a lot of work looking at how do we bundle, how do we package that and go to the market in that fashion.

We've started to do calls in this fashion, and we started to have some very -- some good success around feedback. But we're early stage. Hopefully, at the end of this quarter, when we do our call, we can talk about some of the successes going forward. We've planned, again, incrementally that we'll have some success in 2019, which is why we're at the level that we've indicated in terms of guidance.

If we have better success than we think, again, we'll come back and give you an update. So think of it as early stage, and we'll report every quarter at how well that transition's going.

Rob Wildhack -- Autonomous Research -- Analyst

Makes sense. And last quarter, you called out the competitive environment as being a tailwind. Owen, you touched on it a little bit, but can you give us some more detail as to what you're seeing now and kind of what you're expecting for 2019?

Owen Sullivan -- Chief Operating Officer

I'm not sure we've quantified exactly what the competitive element of market activity looks like. I mean, in general, we're feeling like there is still an awful lot of opportunity out there. Our folks are being as aggressive in terms of our marketing plans and our coverage plan as we have challenged them to be. And I think what we're seeing is a collective of results, all the different reasons.

But I haven't quantified how much of it's from Win 10 or from competition. Our sense is that there's clearly some tailwinds there, but we haven't really quantified.

Mike Hayford -- President and Chief Executive Officer

Yes, I mean, we feel pretty good about our Series 80, which we rolled out last year. And again, we had hit some challenges getting it out the door because the demand was a little stronger than we anticipated. We feel good about that compared to the competition. I think we feel good about where we sit vis-à-vis some of our competitors and the feedback from marketplace in terms of where we're positioned with our capabilities around servicing ATMs and again, our machine itself.

So I think we've said we're going to get some growth back in ATMs. I think we feel that we'll win our share or may be a little more than our share in the marketplace. We have a couple of strong competitors there, but we feel good. Self-checkout, we have a big initiative last year to get a self-checkout device out the door.

Got it a little bit late, but we started to get some sales in the last half of the year. Year over year, self-checkout was not strong in '18, but we expect that to come back a little bit. Competitively, we think self-checkout will be good. I'd say the Retail side, we're looking at that.

We feel pretty good. With some of the hardware issues, we got hardware issues on the retail point-of-sale systems going out the door, our only concern there is that we have customers who typically relying on us. And we have to watch to make sure they come back now that we have the capacity to deliver. So we'll watch that.

But again, on ATMs and self-checkout, we feel pretty good about our competitive position.


And we'll move to next to Paul Coster with JPMorgan. Please go ahead.

Paul Chung -- J.P. Morgan -- Analyst

Hi, thanks. This is Paul Chung on for Paul Coster. So just to follow up that much easier comps in self-checkout and point-of-sale. So just wanted -- I want to hear about some of the deals that you have in the pipeline that give you some confidence for some growth there.

Mike Hayford -- President and Chief Executive Officer

Well, without, I mean, mentioning specific deals, again, on self-checkout, we talked about last year about getting our SCO-6 out the door, particularly for the European market. And it's little bit longer than we anticipated. So we have that out there now, and we do have a little bit easier comps. So we feel pretty good about SCO again.

Point-of-sale, the biggest impact in '18 was our Optic device, which was a -- it's a petroleum gas top head of a pump device that we had pretty good sales in '17 and in '18, did not materialize the sales based on our ability to get the product up and running for additional customers. So we have a little bit more confidence in that coming back in '19. I'd say as you look at the growth year over year, again, we've got 1 to 2% on, in particular, JetPay. And it's going to be a pretty good balance.

We expect some of the products that we focused on in '18 to be in the market for '19 and to be driving some sales. I don't know that I'd call out any particular deal or customer that's going to -- that we'd say is going to make a difference per se other than all of them are going to help fill in our book for '19.

Paul Chung -- J.P. Morgan -- Analyst

OK. And then my follow-up is on the ATM space. So with the consolidation happening possibly in the regional banking space, how does that kind of impact future ATM software demands, margin, etc.?

Mike Hayford -- President and Chief Executive Officer

Yes. A little bit, we have to look at it and say the number of ATMs is kind of what drive our business. And so we believe the number of ATMs, at least on the mergers that got announced, they are going to continue to be out there. In some cases, you worry a little bit on each side.

I think in this situation, we have very good relationships on both entities that are combining. We look at it, like you said, the hardware -- we look at the Service on top of the hardware, we look at the software stack on top of the hardware. And our goal is to be a winner in the Service stack, to be a winner in the software stack and be a winner in the hardware stack. So in this situation, I don't think we see anything at risk for us in that combination, but we'll have to see how that plays out the next couple of weeks.


And at this time, I would like to turn the conference back over to Mike Hayford for any additional or closing remarks.

Mike Hayford -- President and Chief Executive Officer

I just want to thank everyone for joining us today. To close, in '18, we made significant progress in improving our execution and positioning NCR to return to growth. I'm confident that our strategy we shared at our investor day will create long-term shareholder value. The plan that we just laid out for 2019 puts us on the path to achieve our goal, and our entire team is committed to achieving our goals for the year.

Again, I want to thank you for your time and look forward to speaking with you again on our Q1 earnings call and providing an update on our business progress.


[Operator signoff]

Duration: 63 minutes

Call Participants:

Michael Nelson -- Vice President of Investor Relations

Mike Hayford -- President and Chief Executive Officer

Andre Fernandez -- Chief Financial Officer

Dan Perlin -- RBC Capital Markets -- Analyst

Katy Huberty -- Morgan Stanley -- Analyst

Owen Sullivan -- Chief Operating Officer

Dan Kurnos -- The Benchmark Company -- Analyst

Matt Summerville -- D.A. Davidson -- Analyst

Ian Zaffino -- Oppenheimer and Company -- Analyst

Rob Wildhack -- Autonomous Research -- Analyst

Paul Chung -- J.P. Morgan -- Analyst

More NCR analysis

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References :

Dropmark-Text : http://killexams.dropmark.com/367904/12988254
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weSRCH : https://www.wesrch.com/business/prpdfBU1HWO000UYWN
Calameo : http://en.calameo.com/books/004923526a1c2a5e61682
zoho.com : https://docs.zoho.com/file/2xzfz20cb5e8b41244143b194efc5924f5da9
publitas.com : https://view.publitas.com/trutrainers-inc/real-1z0-971-questions-that-appeared-in-test-today
speakerdeck.com : https://speakerdeck.com/killexams/just-study-these-oracle-1z0-971-questions-and-pass-the-real-test

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