We’re in the midst of a global transformation as people are moving from the offline and disconnected world. This is the digital story of our time: everyone and everything is becoming connected. And this connectivity is transforming the way consumers interact….and now transact. Digital payment adoption could represent 20-30% of consumer payments by 2020. The digital shift is the biggest change in payments – and biggest opportunity for MasterCard – since the introduction of plastic. In the next five years, we anticipate that we will see more change in payments than took place in the previous 50.