What happened in 2019 in mobile payments, digital commerce and card-linking? It was a year of great progress, accomplishment and milestones. As The CardLinx Association prepares for its seventh year as the de-facto global association for online to offline commerce, it is worthwhile to take a few minutes to consider the great year that our member companies and our association have completed. Growing recognition of card-linking’s global scale; worldwide industry expansion; a heightened focus on data privacy; and recognition of O2O momentum and women in leadership. These are just a few of the year’s highlights I’m pleased to share with you.