From what we've seen, from a security and privacy perspective, we haven't seen any concern to date. Again, our security experts have walked through not all the cloud-based solutions but the ones we have been involved in and we feel fairly sure that there's not a security issue.
In terms of privacy, it's ultimately up to the owner. If it's a bank-issued wallet, whether they use that data for whatever purpose.... But we're not using it, we don't have access to it, and it is secure in terms of the systems we've seen and evaluated.