You buy it at the counter, take it out of the box, and you can be talking to whomever you want in the parking lot. There's no having to sign up. . . . That appeals to everyone.

In Austin we signed up 50,000 check-cashing clients, ... That's proof of concept. People with and without bank accounts responded favorably. We thought we'd be targeting the under-banked or the un-banked, but we found that even those with bank accounts like the convenience.

This is a way for our partner suppliers to expand their consumer base. They might not have been able to reach this base with their own traditional ways of marketing and distribution.