Henry Helgeson, CEO
I love the concept of zero interchange, it speaks to having to drive value to merchants. And not just charging for the payment but the value of bringing in new customers and getting existing customers return to the merchant. The revenue model will shift in this industry, there's no question about it. The payments are the most necessary part of the transaction, but they're also the most commoditized. And I think LevelUp realize that. And they're out front as a leader at this point driving home zero interchange and saying that it's not about the payment, it's about the customer acquisition, the customer retention. That's what they're going to charge for. I think that's the way of the future. It may not be zero interchange, but it's certainly going to be reduced interchange, and that's going to continue to get commoditized as we drive more value to the consumers and the merchant's counter top.