It's not all about data collection. It's about having the right data at the right times.
I don't want to make this too difficult, but in the future, identity stores will be less important than the ability to get the identity information when you need it.
When you want to make a transaction, we can connect to the identity stores to pull in the information to identify you, Matthew, when you need to make that transaction. Then when you're done, it all goes away. There's no need to store it. We just want to reach out and make sure the information is there when you need it.