I love to hear PYMNTS become a verb in our vocabulary. Here is my suggestions for the verb "MeBill"! I would agree with you that credit card and data security is still a big issue that needs to be solved or somehow addressed. Otherwise the chances of using an app and including it in our vocabulary could be very well limited to a few companies like "Uber" with one product/service to sell and tools to estimate the costs effectively and manage the transaction of money securely.