Digital payments is a global phenomenon. How would you describe the adoption of digital transactions in those markets? And is there an opportunity here for businesses? O, i mean, you see the growth of vigital payments in markets like southeast asia, i am so an expansion. I think it's somewhere in the organizations ptentarly looking to go into those uvay merging markets, they really need to im consider te do they really understand some of the cultural and regulatory nuances that exist in those markets?"