- I/A Table of Contents Global Business Solutions Segment EBITDA increased 3% in 2014 compared to 2013 from the impact of the revenue items noted above as well as a $10 million tax recovery' in Australia. Expenses were flat in 2014 compared to 2013 as a result of cost reduction efforts, primarily in operations costs, that were reinvested into product investment costs. Global Business Solutions Segment EBITDA increased in 2013 compare) to the same period in 2012 as a result of overall growth from the revenue items noted above, slightly offset by increased technology and operations costs including product investments. Global Financial Solutions segment results The following table displays total revenue by segment region and illustrates, on a percentage basis, the impact of foreign currency fluctuations on revenue growth. Year ended December 31, Change Constant Currency Percent Change 2014 vs. 2013 vs. 2014 vs. 2013 vs. (In millions) 2014 2013 2012 2013 2012 2013 2012 North America $ 815 $ 757 $ 725 8% 4% TA 4% EMEA 490 440 450 II% (2)% 9% (3)% APAC 87 92 125 (5)% (26)% -% (22)% LATAM 97 95 106 2% (10)% 20% (2)% Segment revenue $1.489 $1.384 $1,406 8% (2)% 9% (1)% Segment EBITDA $ 529 $ 404 $ 370 31% 9% 32% 10% Segment margin 36% 29% 26% 700 bps 300 bps Key indicators: North America card accounts on file (a) 714 692 676 3% 2% International card accounts on file (b) 132 115 98 15% 17% (a) North America card accounts on file reflect the average number of bankcard and retail accounts during the periods presented. (b) International card accounts on file reflect bankcard and retail accounts outside the United States and Canada as of the end of the periods presented. Global Financial Solutions Segment revenue grew 8% in 2014 compared to 2013 led by our North America and EMEA regions. North America revenue growth was driven by a $34 million increase in credit and retail card proc