The way it works is that essentially—we're not involved in the financial transaction directly, so we don't want to get into a regulated industry—we're leveraging that channel as a method to initiate the transfer. Indonesia is where we launched it first. I think last week one of our presidents mentioned that we'll be expanding that globally.
Let's say you're in a conversation with your child at university, you ask how it's going, and they say, “I'm okay, but I ran out of money.” Instead of having to log out, go to your banking application, and send them a message, you could actually do it from the messaging application. The idea is that if you use BBM—and now that it works on iPhone, Android, and Windows, it's not limited—your child could be on an iPhone, you could be on an Android device, and you could be speaking back and forth.
So if your child says, “Hey, Mom, can you send me some money?”, you could click on the menu and see an option. Instead of sending a picture or sending an emoticon, you could actually send money. It would reach into your account—in the case of Indonesia, it's PermataBank—get the amount of funds, enter a pin code, and then send it to your child. They would get a confirmation that they'd received the money, and they could reply back, “Thank you”.
The idea is that we're trying to keep this concept of keeping the flowing going—no pun there—instead of your perhaps saying you'll do something, leaving the conversation, and then, chances are, forgetting to do it. We're trying to do it “in-band”, as we call it, rather than “out of band”.
So we're going to take that concept.... I can't really comment on it, but it's doing well enough that we want to expand it. We're seeing people use that person to person, friend to friend—i.e.,“Let's split the bill”—and also consumer to business. As a small-business person, you might want to pay your bill that way. Or maybe you went to a yoga instructor and they don't accept cheques or cash; you could actually BBM them money.