Henry Helgeson, CEO
The payments industry today is definitely a changing environment, a very rapidly changing environment where we're not only looking at just the regular mag stripe transactions that we're familiar with, credit and debit transactions. But we're also going to be moving to EMV in the United States in the near future. NFC will be another payment type that will be very traditional credit and debit card processing. But we're also seeing these cloud-based wallets pop up that offer a lot of value to the merchants and the consumers, and as a payments company we've got to figure out how to deliver all of this to the merchant's counter top and give them everything they need.