A few other points, the bankcard cardholder portfolios must find additional on income to replace Lower Interchange rates adopted in Europe and certainly with Debit in the US. The Digital Strategy for both banks and retailers must be focused first on App design to add value, promotion digital customer engagement, must provide amazing customer experiences. The time to innovate digital payments is now or banks will find technology innovators eating away at their cardholder base with mobile payments, P2P payments and even business lending. We at One Tap Commerce have a salable foundation and the skills to ideate customized apps to help.