Shopify is morphing silently and maybe intelligently into a platform that is enabling payments for a lot of merchants around the world. So does that mean we should be thinking about Shopify as a FinTech company? It's probably a lot of arm waving. But let's just admit that Shopify is different and changing. We thought it was going to be a logistics business. It isn't. I have no doubt that there's a lot of stuff that's getting injected into the Shopify platform.

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