In reply to Dave Birch.

Thanks. I am not a professional in this space, just trying to do a bit of basic research on a company (Monitise) that has been discussed frequently on a financial site which I visit. I think there is a little bit of confusion on exactly where Monitise fits in the competitive landscape and how strong a partner it is for Visa and others. With that said, some high level Visa people have assumed high level roles at Monitise...implying some level of confidence in the Monitise offering. Thanks for your feedback.