IDT operates a portfolio of fintech and communications businesses primarily serving immigrant communities in the United States. The company operates through four main areas: National Retail Solutions, BOSS Money, net2phone, and Traditional Communications. National Retail Solutions provides independent urban retailers with point-of-sale hardware, payment processing, software subscriptions, digital advertising, and data analytics. BOSS Money provides digital international money remittances via mobile apps, earning revenue through customer transaction fees and foreign exchange spreads. net2phone sells cloud unified communications, contact center solutions, and artificial intelligence tools to businesses through recurring subscription contracts. IDT's Traditional Communications segment provides prepaid calling, wholesale voice carrier services, and mobile top-ups. IDT uses cash flows generated from its legacy communications business to self-fund the growth of its higher-margin retail point-of-sale, remittance, and cloud communications businesses.