Do I Have to Do PCI?

In terms of 4.0, I think a lot of clients are really just starting to get their heads around it. The landscape of FinTechs out there and what they do is quite broad. There are many companies in many spaces that have tried to say recently, we are just a technology company. Regulators don't always see it that way,. And certainly the council and the payment, the card brands, taking very broad view who is in scope.