PREMISES AND EQUIPMENT, NET

3 Months Ended

Mar. 31, 2019

Property, Plant and Equipment [Abstract]

Premises and equipment, net consists of the following:



(in thousands)	March 31, 2019			December 31, 2018

Computer hardware and software	$	177,868		$	182,215
Office equipment and other	5,264			7,384
Furniture and fixtures	12,222			13,313
Leasehold improvements	26,925			29,781
	222,279			232,693
Less: Accumulated depreciation and amortization	(182,882		)	(187,062		)
Net	39,397			45,631

Right-to-use assets under operating leases	39,046			—
Less: Accumulated depreciation and amortization	(3,452		)	—
Net right-to-use assets	35,594			—

Total premises and equipment, net	$	74,991		$	45,631

Depreciation and amortization expense totaled $9.4 million and $8.7 million for the three months ended March 31, 2019 and 2018, respectively, and is included in cost of revenue for operating assets and in selling, general and administrative expenses for non-operating assets in the accompanying condensed consolidated statements of operations and comprehensive loss.

Premises and equipment, net consist of the following, by country:



(in thousands)	March 31, 2019		December 31, 2018

United States	$	34,817	$	25,693
India	20,405		3,154
Luxembourg	15,874		14,975
Philippines	3,551		1,754
Other	344		55

Total	$	74,991	$	45,631