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… 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 …

… options exist, traditional methods of payments, like credit cards, debit cards, and cash come out on top. However, more … when it comes to money. You grew up using checks or a credit card and that's what you know, so that's what you …