The Disruptive Future of Payments

I don't think it's going to get simpler by and large for the next few years. We've got a various amount of different ways of paying just now. And when we add to the mix, the iPhone with NFC, an Apple Pay, then that's another way of paying. It doesn't necessarily make it any easier. No. But I feel like I'm full of more questions and not really confident that I know what's coming or what's going to succeed.