The popularity of non-traditional payments, i.e. digital payments, have changed how many Chinese pay for everything. Payment systems transaction growth overall increased to .6% from a rolling 12 month low of .25% in December 2017. Bankcard payments and bulk electronic systems increased on par with the total. Interbank payments increased, but not on par with overall totals. High value payments decreased, but it was the area that put up a decrease. As it is, we believe bank card payments are the fastest growing sector.