In reply to Anon Techie.

I think the key thing is that they are getting the app out there for testing and refinement. They should be applauded for moving fast. Refining the app for better user experience should be downhill. Also I think I heard Jon say they are asking the consumer to interact with the app anyways for loyalty, so log-in is only a small step to add. 100% replacement of traditional credit card users is not the goal.