But no, we really are at the tip of the spear in Canada. There are replicates of me in different markets where Visa sees a lot of opportunity with NFC payments: Hong Kong, Singapore, Australia, and New Zealand.
We really are far, far ahead from an NFC perspective. Our contactless issuance.... All of our banks issue contactless cards, so from a behaviour perspective, there's no difference between waving a plastic card or waving a mobile device. It's already embedded in the psyche. We have a lot of merchants accepting.
On the earlier point about 62% of Canadians owning a smartphone, that's world class.