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… it's a wonderful place to meet, so thank you. I head our cards and payment businesses at RBC and also look after … sometimes forget, whether it is ATMs or whether it is smart cards or if you actually Google “cloud payments tokenization … a couple of statements onto chat gps, my wife’s and my credit card. I said, just generally generate a profile and …
… was really smooth. So the innovation was the chip on the card and the upgrading of all the infrastructure at all of … about the impacts to end-users. Most Canadians have payment cards from multiple issuers in their wallets. An example of … went into every letter sent to every Canadian with a new card. All the terminology was the same. We inserted cards in …