Karen,

You wrote the following: "That means that 90+ percent of payments volume still comes from the physical store today and it will be a very long time for that to materially change. Some categories, like fuel and hospitality and food services, will never go online even though the way that consumers pay for their purchases may be via an app on their phone."

I like you take on something that we have developed. Please contact me at founder@fuewell.com.

I run a one months old startup company in mobile payments and we are about to launch an app that does what no one has ever done before or even thought it would be possible.

Thanks,

Ernst