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… and smartphone ownership, global commerce continues to evolve as businesses strive to offer a seamless customer … it is important that the payments industry continues to evolve and offer services that streamline the processing and …

… financial products, business models, and market practices evolve to the point where existing legislation, which may …

… of data that you can fill in for payment messaging, it evolves, we're on newer versions now of these different … people to use the last two implementation and then also to evolve as you're doing that, when we're not saying that you … HVPS+ plus. And I would also look for that charter to evolve in other ways. And this is perhaps an ambition of …

… our relationship and the mentorship that came out of that evolved was we were looking at it as how each of us were … a perfect solution for a Canadian market. Now, how do we evolve and what is the next step? Well, obviously we're … from our past mistakes, and ensure that we continue to evolve. That's how technology is looked at now. It's not a …

… we, the ecosystem, the people around the consumer must evolve. And if we want to help people, and we do, we have to …

… So, again, aligning up to our strategy, continuing to evolve our Utility hub, build more products and services …