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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Finance Lease, Right-of-Use Asset, Amortization $ 2,639 $ 0
Cash paid for interest 48 1,259
Debt Issuance Costs Incurred During Noncash or Partial Noncash Transaction 375 0
Cash and cash equivalents 287,639 95,184
Proceeds from Convertible Debt 223,100 0
Payments for Derivative Instrument, Financing Activities 26,450 0
Payments of Stock Issuance Costs 0 (38)
Payments of Debt Issuance Costs 0 143
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect 183,161 35,560
Net Cash Provided by (Used in) Operating Activities (13,214) 7,357
Restricted cash 109 246
Operating activities    
Net loss (48,645) (20,571)
Bad debt expense (reversal) 1,281 1,066
Adjustments to reconcile net loss to net cash used in operating activities:    
Depreciation and amortization 5,809 3,181
Amortization of financing costs charged to interest expense 290 72
Termination of U.K. agreement expense 24,811 12,266
Other non-cash expense, net 1,166 1,368
Amortization and impairment of deferred FI implementation costs 3,640 2,173
Change in operating assets and liabilities:    
Accounts receivable 25,010 (5,789)
Prepaid expenses and other assets (1,412) (1,368)
Recovery of deferred FI implementation costs 0 3,469
Accounts payable 115 (401)
Other accrued expenses (6,871) 1,453
FI Share liability (15,479) 6,041
Consumer Incentive liability (5,568) 4,397
Investing activities    
Acquisition of property and equipment (2,691) (4,561)
Acquisition of patents (50) (14)
Capitalized software development costs (3,519) (1,836)
Net cash used in investing activities (6,260) (6,411)
Financing activities    
Principal payments of debt (17) (46,692)
Proceeds from Convertible Debt 223,100 0
Proceeds from issuance of common stock 6,380 81,922
Net cash received from financing activities 203,013 35,049
Effect of exchange rates on cash, cash equivalents and restricted cash (378) (435)
Cash, cash equivalents, and restricted cash — Beginning of period 104,587 59,870
Cash, cash equivalents, and restricted cash — End of period 287,748 95,430
Supplemental schedule of non-cash investing and financing activities:    
Amounts accrued for property and equipment $ 775 $ 991