I would add to that.
My short answer also would be yes. In addition, one of the challenges our members are concerned about and are talking to us about is that right now Interac is not issued by all banks in a mobile form. If you don't have what is in many cases the preferred option of paying, which is Interac in a mobile environment, there are concerns that the costs and the transactions will migrate to higher, more expensive credit card options. This is something that members are concerned about and that will prevent, in my opinion, full adoption.