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… I think we also see a movement in the account-to-account space. We're very lucky in Europe, the UK to have instant … think we'll see a merging of the physical and the virtual space. We're now living in an area in a time where contact … focus on providing inclusion into the electronic payment space. And that's not just at the point of the payment. I …

… established itself as a less expensive, safer, and quicker alternative to conventional identification authentication … of a cutting-edge machine translation platform in this space. Is there any risk to using AI? These myriad uses … team. Improper communication related to the modeling objectives may disrupt the outcomes and affect the …

… definitely, a lot of more activities have been done in this space. The Bank of Canada has been releasing a lot of … the Bank of England as well as being very active in this space. The data consultation paper a few months ago, if I'm … this month, or they can decline it and speak to the biller alternatively. Request to pay is designed to give customers …

… own product. So when I had an opportunity to jump into that space, I did, and we made an acquisition of a platform that … telcos, a wireless mobile wallet that brought us into this space as a contender. And now as the CEO of XTM, we run a … So there's just... It's trying to keep up in this space is exciting because these are just the examples that …

… Elena says because I'm also in the international payments space, and a lot of what she said rings true for us with the … but just backing up a little bit. I've been in this space for, oh my gosh, a long time, since 2000. I did take a … all alluded to the idea of navigating in the payments space. It's dynamic, always changing. Things are happening. …