“So I continue to expect a growth opportunity there.”

In context

“y focusing down and investing more locally in Europe, have a better presence there, engage with national governments as well as with European institutions, which we feel very European and Europe. That's the first thing I would say. When I come back to the times of COVID, it was -- there was a large set of economies in Europe that were lagging, I would argue on the digitization front, changing behaviors to consumers have increased the pressure to digitize further, and it has happened. So we've seen Europe catch up and obviously shows in our numbers. But back to the point of secular opportunity we just discussed. If you look at the economies in Germany, in Italy, there's significant cash in the higher double digits that we're seeing that and we can go after and we will continue to go after. So I continue to expect a growth opportunity there. But it's also true that there are markets that are so highly digitized today that the secular opportunity in itself is something that from cash to check isn't really happening. And there, you come to the point about what are the emerging business models in a highly digitized world. The Nordics is a good example of that. There's a whole new set of business models coming up, and we're supporting those fintechs which is why Europe is one of the geographies around the world where we have a tremendous position in fintech and other market leaders in those partnerships. So I'm excited about the Europe outlook, and we continue to invest there. Bottom line. Sachin Mehra: And David, on your question around cross-border in and out of Europe, a couple of thoughts around there. Look, I mean, globally,”