Karen, as always a provocative piece. As we all know, there are lies, damn lies and statistics - you can interpret data in many ways and draw even more conclusions. I don't think it the the current volume or percentage of 'mobile' payments that is the real benchmark but rather the direction of travel. As someone who has been involved with the introduction of contactless in the UK since the very beginning, I have had the benefit of the long view at close hand. Contactless acceptance is burgeoning at the point of sale in the UK. Yes, the adoption by TfL on London the London transit system has been a big kicker but virtually every week we see another major retailer enable contactless and the advent of Apple Pay has provided another catalyst - but the real driver is now the consumer. It is fascinating now to see the frustration of cardholders when they cannot use contactless and have to revert to fishing around in their purses and pockets for cash for low value transactions. Contactless has had a pretty bad press in some quarters and often from observers with little practical exposure to the technology or, more importantly, the customer experience. In my humble opinion It will be a brave or foolish retailer that ignores, Canute-like, the rising tide of payment options consumers are beginning to expect to see at the the check-out. Just like click and collect, payment options are only part of the retailers toolset to help win, build and retain customer loyalty but, depending on the merchant category, they could be one of the most important.