If we learned one thing during the financial crisis, it's that you cannot ever take prudence and security and safety for granted. It's absolutely critical. It's also true in the payment system. In the payment system, the bad guys are always trying to get ahead of you. The costs of dealing with security are ever-increasing, because they get more sophisticated. They're highly motivated. These things do not come cheap and they do not come easily. It is a continual fight, and it takes money to win it.
Remember, though, the more efficient you get—and that's what mobile will do—the better it is for Diane's community, the better it is for businesses generally, and the better it is for consumers, because it will be faster and more effective.