I think it will raise efficiency, because it will be easier to distribute virtual cards through the phone. I think that will ultimately benefit the merchants. Merchants prefer some card types over others—they love their store cards and they love gift cards, because people come back to their stores—and we'll be able to lower the barriers of being able to present those cards to the merchants.
Now, it is critical that the acquirers also cooperate to allow those now “credentials”, or cards, to be accepted in those store locations. That's going to be an important part of it.