So what does that model look like to you?

I don't think there's one single model.

You start from the premise of domestic payments have moved on very, very quickly around the globe in all the individual jurisdictions.

And the expectation from customers, quite rightly, is for a cross-border experience to be as good, as seamless, as friction-free and innovative as a domestic payment.

And so getting the infrastructure behind the scenes in a global context is always going to be the challenge.

That said, I mean, the premise of the conversation was evolution or revolution.

Spoiler, it's probably a combination of both.

Has your opinion on that changed?