daniel schulman has told the bbc his own business, digital payments, is exploding, and the use of cashrly, the pandemic has an impact on almost every industry. we have leapfrogged 3- industry. we have leapfrogged 3— five years in terms of the acceleration of digitisation. this is especially true across retail. retail has gone from a physical perth, strategic thrust to really a digital perth, and that by the way is across small business and large business, and the ways that people are paying now are digital payments. that is exploding. the world is changing and it's changing rapidly. the use of cash is falling dramatically, and so retail strategies at central banks use to have with paper money, governments trying to issue stimulus checks to consumers and in many cases having to mail checks to people. i mean, think about that! think about the modernisation of the financial system infrastructure to ensure that there is more inclusion, that there is more inclusion, that transactions sometimes ta ke that transactions sometimes take days to clear. that is crazy in a digital environment, they