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<v Speaker 1>It's time for it's time for tech talk. The machines

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<v Speaker 1>are getting smarter.

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<v Speaker 2>This is tech talk.

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<v Speaker 1>I will just say.

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<v Speaker 3>We look, Secretary of State is a full job.

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<v Speaker 1>Your plate is full.

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<v Speaker 3>Oh yeah, you don't have time to be interim director

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<v Speaker 3>of the National Security Agency.

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<v Speaker 2>You'll see, okay. Mark Saltzman joins us.

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<v Speaker 1>We talk things technology, and we've talked many, many times,

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<v Speaker 1>lots and lots of segments about artificial intelligence. And Meta

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<v Speaker 1>has launched its standalone AI app that's out there that's

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<v Speaker 1>supposed to be sort of a rival to chat GPT.

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<v Speaker 4>Yeah, it's available now for iPhone and Android. There's a

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<v Speaker 4>web version as well, but the smartphone version allows you

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<v Speaker 4>to converse with it very naturally. You sign in with

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<v Speaker 4>your Instagram or Facebook info.

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<v Speaker 2>You know.

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<v Speaker 4>It's a similar experience actually to being able to access

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<v Speaker 4>the Meta AI within Instagram.

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<v Speaker 2>And you may have already seen.

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<v Speaker 4>This or WhatsApp or Facebook if you dig a little deep.

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<v Speaker 4>But this is a standalone app, and the idea is that, yeah,

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<v Speaker 4>you can converse with it. It sounds very human and

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<v Speaker 4>like other large language models as it's called, you can

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<v Speaker 4>ask it to generate ideas. You could say, hey, I'm

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<v Speaker 4>having ten people over for a dinner party this Friday.

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<v Speaker 4>Three are vegetarian, three are going to be kids, and

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<v Speaker 4>you know six are is my math off for our carnivores.

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<v Speaker 4>What can I make or cocktail ideas, create images, create videos,

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<v Speaker 4>create itineraries for trips. But what's unique, I would argue

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<v Speaker 4>is it's twofold. One is that there's a new discover

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<v Speaker 4>section that shows what your friends on Instagram and Facebook

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<v Speaker 4>have asked Meta Ai to do, and then you can

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<v Speaker 4>remix that. Like if you have a friend that said

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<v Speaker 4>show me, you know a picture of Gary and Shannon

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<v Speaker 4>on the moon, I don't know holding an American flat,

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<v Speaker 4>then you can take that and then tweak it some more,

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<v Speaker 4>or take a recipe that one of your friends asked

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<v Speaker 4>it to create and then remix that. So that's kind

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<v Speaker 4>of neat if with consent, you can opt to share

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<v Speaker 4>what you're leveraging AI for with your friends on Facebook

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<v Speaker 4>and Instagram through the Meta ai app. And then the

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<v Speaker 4>other thing that makes it unique is that you're allowing

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<v Speaker 4>the AI to comb through your social feed to get

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<v Speaker 4>to better know you. So when I downloaded Meta AI

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<v Speaker 4>and I installed it, it said, so, Mark, I see you

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<v Speaker 4>like music and you like festivals, music festivals. I see

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<v Speaker 4>you were recently, you know, on a trip in Italy, Like,

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<v Speaker 4>what did you like most about your trip? So it

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<v Speaker 4>tries to get to know you in order to curate

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<v Speaker 4>more personalized results. It's not for everyone. Some people may

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<v Speaker 4>think it's creepy, but you know, AI is definitely here

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<v Speaker 4>to stay. I know a lot of your listeners are

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<v Speaker 4>probably rolling their eyes because they're sick of hearing about it.

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<v Speaker 4>But over a billion people have already tried the meta

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<v Speaker 4>AI features baked into Facebook, Instagram, and WhatsApp, and so

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<v Speaker 4>the company Meta thinks that a standalone AI Meta AI

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<v Speaker 4>by itself could be a really big player, and it's free.

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<v Speaker 1>Did they get some pushback? Did metiget pushback? I realize.

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<v Speaker 1>I recognize that if you search for something on Instagram,

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<v Speaker 1>for example, the search bar is it says either ask

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<v Speaker 1>meta AI or search And I've always been I've always

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<v Speaker 1>thought that that's kind of a dangerous thing to combine

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<v Speaker 1>the two of them.

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<v Speaker 2>Yeah, it's not unlike Google.

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<v Speaker 4>I don't know when's the last time you Googled something,

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<v Speaker 4>but if you ask a question, chances are Google Gemini

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<v Speaker 4>is going to kick in. There is a way to

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<v Speaker 4>go into the settings and separate this.

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<v Speaker 3>I first when Google did this, I said I hate this.

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<v Speaker 3>I'm never clicking on this, and then the next day

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<v Speaker 3>I loved it. And now I soak up all the

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<v Speaker 3>AI responses. I find them to be well, well curated, yeah,

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<v Speaker 3>well curated yeah.

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<v Speaker 2>For the user. But if you run a website.

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<v Speaker 4>Let's say I don't know, garn Channon, you guys have

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<v Speaker 4>a digital magazine, then you publish content. If Google and

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<v Speaker 4>Meta and other players are extracting your content and then

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<v Speaker 4>delivering the answers to someone who's asking a question, they're

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<v Speaker 4>not going to land on your website, and so that's

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<v Speaker 4>going to hurt your traffic, which could hurt your ad sales.

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<v Speaker 2>So there is a domino effect here.

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<v Speaker 4>You got to look at it kind of holistically as

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<v Speaker 4>a consumer, as a user.

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<v Speaker 2>I think it's pretty wild. But there's one thing AI.

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<v Speaker 4>Hasn't been able to do, and this is I think

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<v Speaker 4>a good segue into the second part of our chat today.

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<v Speaker 4>Something I was that I was in San Francisco yesterday

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<v Speaker 4>at a Visa event and it's called Product Drop, and

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<v Speaker 4>they unveiled something called Visa Intelligent Commerce as the name

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<v Speaker 4>suggests your AI in the near future could actually transact

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<v Speaker 4>for you with consent, of course, so the idea is this,

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<v Speaker 4>right now, let's just stick with that itinerary example from earlier.

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<v Speaker 4>You want to go to Miami for three days, you

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<v Speaker 4>can ask like chat ept to create a three day

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<v Speaker 4>i itinerary for you, even recommend hotels and restaurants and

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<v Speaker 4>flights and excursions, but it'll stop short from paying for

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<v Speaker 4>them for you, right Like it'll say if you ask

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<v Speaker 4>it to, okay, buy that hotel room that's perfect, it'll say, sorry,

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<v Speaker 4>I can't do that, and it'll send you to some

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<v Speaker 4>websites where you can do it. But what Visa and

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<v Speaker 4>other players are working on is the ability with consent

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<v Speaker 4>and partners like open Ai who owns chat ept and others,

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<v Speaker 4>to actually pull the trigger for you on those purchases.

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<v Speaker 4>But it'll first send it to you to say is

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<v Speaker 4>does this look good? And then you just give it

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<v Speaker 4>a one time yeah, like you give it a once over.

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<v Speaker 4>So that's going to save a lot of time. I

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<v Speaker 4>think that's going to save people a lot of time.

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<v Speaker 4>And if you're willing to trust Visa, I mean, look,

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<v Speaker 4>they've had what they've been around sixty years. They've processed

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<v Speaker 4>over almost three and a half trillion transactions over the

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<v Speaker 4>past quarter century alone. You know, if you're going to

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<v Speaker 4>trust a company to do it, that's the company need

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<v Speaker 4>to do it. So yeah, there's I think it's pretty cool.

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<v Speaker 1>Yeah, it could save time, but I mean there's got

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<v Speaker 1>to be a someone's going to do the psychological study

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<v Speaker 1>of it. Could cost more money because you believe the

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<v Speaker 1>computer's doing it in your best interest or the computer's

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<v Speaker 1>got your best choices, you know, based on whatever algorithm

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<v Speaker 1>it's going to be using, and therefore you would be

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<v Speaker 1>more free with the money. You say, Okay, they must

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<v Speaker 1>know what they're talking about, and I must like this

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<v Speaker 1>product or whatever that is that they're going to get me.

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<v Speaker 2>Yeah, I hear what you're saying. Gary.

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<v Speaker 4>There's obviously an element of trust here, and that's a

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<v Speaker 4>hurdle that many any company that's going to do what's

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<v Speaker 4>called agentic or agent based commerce is going to have

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<v Speaker 4>to wrestle with.

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<v Speaker 2>But it's going to send you a push to say

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<v Speaker 2>does this look good to you?

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<v Speaker 4>And so you it's if you didn't have that safeguard

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<v Speaker 4>in there, then I would agree, Yeah, this can be

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<v Speaker 4>a little bit of a slippery slope. But is it

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<v Speaker 4>like tapping? Do you find you're spending more money because

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<v Speaker 4>you can now tap your credit card rather then insert

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<v Speaker 4>it and put in a pin? Are you do you

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<v Speaker 4>do you find I'm just I'm just curious. Do you

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<v Speaker 4>find your spending more because it's just so easy now

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<v Speaker 4>to use your visa at retail by tapping or your

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<v Speaker 4>watch or your phone.

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<v Speaker 3>You think it's translating to me spending more? It is

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<v Speaker 3>definitely easier and quicker.

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<v Speaker 4>Right, And that's the idea, is that you want something

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<v Speaker 4>convenient and with AI being like your assistant, like now

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<v Speaker 4>being able to or soon within a couple of months,

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<v Speaker 4>they're telling me be able to transact for you, and

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<v Speaker 4>again you're still going to have to aokay it. I

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<v Speaker 4>think that's a great time saver for me. I love

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<v Speaker 4>that idea. I'm busy. If you set those thresholds ahead

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<v Speaker 4>of time, Like I want to stay in the hotel,

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<v Speaker 4>but I don't want to spend more than four hundred

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<v Speaker 4>to night, and I like that flight, but I don't

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<v Speaker 4>want to stop over or a red eye. If you

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<v Speaker 4>set those parameters in advance, and an AI can get

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<v Speaker 4>to know you and remember things. Then I think it's

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<v Speaker 4>just going to help us be a lot more efficient

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<v Speaker 4>personally and professionally, So I'm all in on that.

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<v Speaker 2>But yeah, there'll be other players as well.

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<v Speaker 4>But you know, Visa was first out of the gate

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<v Speaker 4>yesterday at this event, this product drop showcase, which was

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<v Speaker 4>pretty cool.

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<v Speaker 1>Yeah, and then everybody's gotta you know now that the

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<v Speaker 1>ones that come second have to try to find some

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<v Speaker 1>way to improve upon what they what Visa has done.

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<v Speaker 3>All right, Mark, thank you so much.

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<v Speaker 2>Appreciate it me too. Cheers, guys, cheers.

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<v Speaker 1>Make sure you follow Mark on x M A r

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<v Speaker 1>C Underscore Saltsman with a Z's got some great stuff

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<v Speaker 1>up there, and you can also check out the tech

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<v Speaker 1>it Out podcast on the iHeart app.

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<v Speaker 3>You are