“I think as travel comes back, our card benefits and travel-related card benefits will increase.”

In context

“which we could sell value-added services. But as I said, we started to see transactions really roll back this quarter. For the first time ever, we averaged over 600 million transactions in the quarter -- and for every day in the quarter, I should say. And that was up 160 from -- by more than 160 million transactions a day a year ago during the pandemic. So I think that, as we start to get into what I believe is going to be a robust recovery and a continued growth in transactions. We're going to continue to see our platform-type services, CyberSource, our issuer processing, our risk and identity services, which represent about two-thirds of our value-added services, grow very nicely. I think we've continued to start to see recoveries on the other side and things like our consulting. And I think as travel comes back, our card benefits and travel-related card benefits will increase. So I think that while we rent during the height of the pandemic, we got off our trajectory of where we want it to be in 5 years. I feel like we're going to get right back on that trajectory and maybe even do better than we might have thought we would do. In terms of new flows, I'd say a couple of things. One is obviously Visa Direct continues to do very well. I cited that it was almost 0.5 billion more transactions in the quarter than the prior year. And I think in Vasant's remarks, he talked about mid-50s percent growth levels continuing and we've seen this for numbers of quarters now. And in the B2B space, we're starting to see some recovery. The B2B space looks like the consumer credit space, so it's the commercial volumes kind of echoing or following that, mirroring that, although s”