3 These households often rely on more-expensive means of payments, including nonbank providers and bank money orders. Many have smartphones, which could facilitate access to payment apps. The entry of big technology networks into payments brings risks as well as benefits.
Purchases are also subject to an issue share limit and an issuer limit. These limits ensure that we would not constitute a blocking minority for collective action clauses if such clauses were ever triggered. The European Court of Justice explicitly highlighted these limits when deciding upon the lawfulness of our actions.