Yes, for now. I know I'm rather pessimistic, but I don't think it will stop there. The credit card part is probably a dream scenario for banks though, to only

Yes, for now. I know I'm rather pessimistic, but I don't think it will stop there. The credit card part is probably a dream scenario for banks though, to only let people into shops that have an active credit line and not accept cash. And then you have the problem of bias towards groups of people in the credit scoring regressions.