Thank you for the tag, this is a rabbit hole I can get stuck into. Yeah, well, there's a multitude of issues around mobile pay-maps. First and foremost, what's seen in many a country, despite differences in regulation, is that it's very difficult to have an extremely slick and innovative user interface user interface while at the same time adhering to actual regulatory needs.

And then obviously you've got to split them into are they mobile payment apps that you use to pay? In which case generally quite all the reports are aiming towards that consumers still like the traditional payment methods. So people use their phones and so on and there's Samsung Pay, Google Pay, Apple Pay. But majority still find that plastic cards are just as easy if not easier to use than having to put up your phone. phone so it's still difficult.

As far as collecting payments goes, this is where the regulatory comes in because it's so difficult for most businesses who aren't larger corporations to gain access into the financial ecosystem so they're not really included in the first place and when they are they're jumping over these ridiculous regulatory hurdles to get on board and just to take a simple card payment which again then has to go through a ton of regulation. So it's extremely difficult to build something that isn't useful in this market.

As you well know, I can probably go on for next six hours about this. But yeah, I'll leave it at that. There's just so much to talk about around this. And if anybody has any particular questions, then by all means ask. I was a CEO for a mobile payments company for five years. So I've got some credentials behind me.