I’d agree about waiting personally. Not to defend it of course, but isn't this already happening? Probably not at the banking side other than for their internal benefit (I presume as they're fairly regulated) , but at the retail , POS , even accounting system sides? Theres also all other data collection and harvesting sources - internet use basically, location data etc - but thats all known. This is likely to be a more consolidated competitor in that space I guess. All speculation. I’m more curious so fishing for knowledge