The Evolution of Loyalty Programs in the South African Market

I suppose I just want to maybe summarize a couple of things I've heard there, Dion coming through and what you said. But in terms of trends and loyalty, for example, is an increasing focus on partnerships, even though you yourself have been working on that for over 20 years. Secondly, the whole trend around removing friction, which I think is always there, but increasingly important in this very busy world. So typically the kind of response that we give when customers or program clients are looking to do some mobile only touch solutions is to say, well, let's go multiple. Let's use an only channel approach."