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… distancing, you would use a QR code to get your menu or order a drink. These are technologies that we thought were … will depend on how CBDC is designed and distributed in order to see how it can interoperate with the payment … as well. Now we're quite comfortable shouting our Alexa to order us something when we've run out of cereal, whatever it …

… cash only. Part of it could be infrastructure related. In order to accept electronic payments, you have to have a very … cash and if you want to use big denominations you have to order them in advance. That there's friction being built …

… and can communicate with each other. As commerce becomes borderless and open and closed-loop systems provide … no choice but to use the phone as a conduit for payment. Order ahead services for everything from coffee to take-out …

… that were going to hold us back. Our friends south of the border had legacy systems, and they weren't going to embrace … gives us the base of understanding your capabilities in order to be viewed as a valued participant on global and … really close together, and they have a need for fast cross-border payment capability because they all trade amongst …

… payments, transaction transparency, easier payments, cross-border convenience, activity-based oversight, platform … And members need to understand how to comply with those in order to play fairly on the system. So that's how I see open … that everyone is subject to the same rules or degree of enforcement. It means that like risk is treated in a like …

… need to have some type of understanding of psychology in order to get someone to click on that email while they … to all of your software applications, your operating system maintenance, and even firmware associated with hardware … list exists and they're very practical things. They're rank ordered, as well, in what's most important. You do the first …