Just replicating the card isn't going to be enough to get it going. There have to be things like loyalty programs—they know when you've entered the store, so they can send you offers. But these, again, will be mutually exclusive. It will be up to the consumer to opt into these things. We have a privacy framework, and that should be able to handle when people agree to give up their data, or what their data is going to be used for and how it's going to be used and aggregated.
