Thank you, Mr. Chairman.
Welcome to our witnesses.
There were a couple of questions raised in the first couple of rounds of questioning here on which I want to get some clarity.
The first point is on the pin-and-chip technology in the U.S., and the fact that we appear, at least at this point in time, to be ahead of them. But we are behind the U.S. in business-to-business transactions. What's the root cause of that? Can anyone respond?
Patricia?