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… environments, including hospitality, and personal care services like salons and barbershops and food delivery … like for example, the germs that are carried on paper money are reportedly more germs than a household toilet. And … We split the interchange with them and that's how we make money. Marilyn Schaffer: So it's low friction. It's easy. We …

… For nearly 25 years, Brad has worked within the financial services industry, providing leadership and delivering … 20022 standard to interconnect, and it'll be easier to move money between countries. You think about still the challenges of moving money internationally. I think these Real-Time Rails are …

… and resilient retail payment products to the users of our services. That's really key. The key thing that we need to … One of our key strategic focuses is delivering value for money. We always consistently challenge ourselves to focus … we pay, but also the way payment operators or FIs manage money. Kate Frankish:  Yeah, definitely. Who would have …