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… convenience is huge. Alvin: Yeah, I mean for me, just the example where we need [inaudible 00:04:11], shopping in the … people who are still paying with cash at Tim Horton's for example, or they're actually inserting their card at the … Justin: Yeah, yeah. And I think to your point, we're seeing examples where it's not only about the discount, or the sale …

… same thing again, and it doesn't work. But my most extreme example is when we first got financed, a leading financial … and the accessibility of it? Harinder:  I'll give you an example. There were 80 applications on iPhone, android, etc. … a month of open banking being launched in India. That's an example of like an explosion that you see when something's …

… can be impacted by available payment options. For example, contactless payments. While these are trends that … going to be taken up so widely by consumers. My husband for example, was really anti contactless cards until lockdown. I … across the rails and not just great British pounds for example, which is what we pass value on today. Again, that's …

… would say that we facilitated industry COVID responses. For example, we facilitated and helped drive the recent CRA … ecosystem continued to function. I think probably the best example of that is the one that Peter referred to that … area that is hard to anticipate at times. I think a perfect example that we're seeing play out as we speak is the …

… it could release benefits to customers. What would be an example of a big corporation that if they were to go with … that the market is very receptive to that. We've seen other examples of similar solutions being targeted and designed for small business and if we think of Quicken for example, and being able to just add on additional solutions …

… on the system. And our retail batch system, a great example of one where we've already made some changes to the … we could do things that borrow best practices from, for example, other markets where they're ahead of us. And we can … this should provide additional clarity on how, for example, consumers funds that are held by PSPs are …

… solution as not all financial institutions have a BIC (for example, domestic financial institutions that have no need …

… new purposes, etc. But what that also means is that we, for example, at the Bank of England might choose to use certain … and less friction from end to end payment lifecycle. An example I think of and I always think about when we talk … for banks, the way they identify themselves. So for example, in Europe, they use the IBAN. The IBAN consists of …

… certificate to this new shareholder. But let me give you an example, and for this morning I'm going to use the example of blenders that are bought or paid for by a little … Not eaten, right? Justin Ferrabee:  That's not a very good example. But it's an ecosystem with everybody, they're all …

… the uses of our systems that the customers — you and me for example, so in our development of rules, we have a duty to … like and how payments are exchanged in Canada today, for example, the format's are very domestic. So an AFT, for example, cannot be sent out to the States even without …