4 million. Standard data rates may apply. JP Morgan 2 predicts that by 2021, digital wallets will own a 27. August 29, 2023. DigiPay. Touch-free QR code payment, get instant spending notifications, buy and sell cryptocurrency. 2 in digital wallet use, will boast the second. 2. Google Pay-Digital Wallet App. Open their mobile wallet app, such as Google Pay or Apple Pay, on your smartphone or use NFC enabled card. Due vs. Bitcoin remains the top cryptocurrency by market capitalization. Practice navigating your digital wallet’s features. About this app. His past work has appeared at print and online publications, including New Mexico. Mobile Wallet User Penetration, in % of Population, 2020 & 2025f; Mobile Wallet Transaction Value, in USD billion. "Mobile Wallet (NFC, Digital Wallet) Market" Research Report 2023 offers statistical information about the market's past and present conditions, production costs, volume, share, size, and growth. Utah. About Us. Regarding the services available for now, the Google wallet offers possibilities to buy. The Ledger Nano X is a premium hardware cryptocurrency wallet built to keep your digital wealth as secure as possible by storing your private keys offline. By using a digital wallet, users can complete. Square Cash App. Earn yield, dive into. A recent report from McKinsey showed that 82% of Americans now rely on some form of digital payment, including digital and mobile wallets as well as BNPL (Buy Now Pay Later) and. Typically, digital wallets take the form of an app, storing electronic versions of your credit cards and digital assets. Learn more Peace of mind . De acuerdo con la página oficial de Google Wallet, es posible agregar las tarjetas de crédito y débito. Explore Web3 and take control of your crypto, NFTs, and digital assets all in one secure wallet. The Mexican Bank Association will play an important role in trying to make the implementation of digital wallets possible in Mexico. Guarda is a free, all-purpose crypto wallet whose users can access their crypto via mobile, desktop or browser extension. + Get instant access to Wallet on the Wear OS main watch face with complications. Top E-Wallets for North America in 2023: A Comprehensive Review. Mobile Wallet User Penetration, in % of Population, 2020 & 2025f; Mobile Wallet Transaction Value, in USD billion. Retail and institutional digital asset adoption in Mexico. es la Billetera de Google. This is according to an estimate using roughly 150. Digital payments landscape in Mexico Mobile payments with digital wallets Cryptocurrency Fintech in Mexico E-commerce in. Cash payments can be used by shoppers who do not have a card, bankaccount and/or a digital wallet to pay for online goods and services. Digital transactions have become fairly prevalent as a result of growing digitization. 8 China 8. The problem is,. • Start paying bills and services from the app. OKX Wallet is the world's most powerful crypto wallet. Tap & Pay: Now use Samsung Pay to ride New York City’s MTA system and Portland’s TriMet system. Checking account is needed for Digital Wallet. After its initial rollout in 2008, Orange Money from Orange Group quickly became one of the most popular mobile wallets in Africa. 1 Comscore custom study for Amazon Pay comparing conversion rates between Amazon Pay and native merchant checkouts in the U. 2 million by 2023, and a CAGR of 12% between 2023-2027. A digital wallet provides the versatility to process various payment types, including ACH, virtual card, and wire transfers. Configurar Google Wallet. You can make contactless payments from your digital wallet, make online or in-app purchases, and send and receive money. Instead, it's truly meant to be a digital wallet that saves any credit and debit cards, passes, proof. Follow instructions on the login page to sign in with an existing Costco. 134 billion in 2028. A digital wallet refers to software, an electronic device, or an online service that enables individuals or businesses to make transactions electronically. SafePal - Best Hybrid Crypto Wallet. Thankfully, several digital wallet apps let you send money for free within the United States. The company reported 4. Many gamers use or are familiar with Steam - one of the most distinguished gaming platforms providing millions of users with gaming content up to date. The 411 on digital wallets. Digital wallets: the most-used payments in 2022 in the country, over 72%. Sigue las instrucciones de configuración. 8 million bank cards to securely store their cards in Google’s. Digital wallets. The powerhouse of digital payments in growing economies. Debit card. Digital wallets are more secure and convenient than traditional physical wallets, and can be used to make payments, transfer money, and display other cards right from the user's smartphone. In 2021, for example, digital wallets reached the top 4 payments on e-commerce. In Payments. finance digital wallet software you need to authorize as an administrator via API. When you're using a digital wallet, you won't have to swipe your credit card or enter your credit card information. The digital wallet initiative was launched in early 2021, and last year, it obtained a fintech license from the Mexican regulator. According to the publisher, the prepaid card market (value terms) in Latin America increased at a CAGR of 10. Federally insured by NCUA. Apple said the feature will also be supported in Puerto Rico. Learn more about Mercado Pago, the most widely used digital wallet in Mexico. However, there are some disadvantages of paper wallets. Add your Bank of America® cards to your Digital Wallet. Bank transfers. Samsung is merging its two software services, Samsung Pay and Samsung Pass, into a single digital platform called Samsung Wallet. Scan the code or enter your number to get the app. A digital wallet is a financial app or browser extension that runs on a connected device and safely stores payment information like credit cards, bank accounts, and PayPal info on the cloud. 2 Digital Wallet Key Players in China (2019-2020) 8. Mobile wallets provide a convenient way for a user to make in-store payments and can be used at merchants. Digital wallets are expected to witness solid growth in Latin America. Las e-wallets, también conocidas como billeteras digitales, son un medio de pago electrónico que surgió como alternativa al dinero en efectivo y los. According to Statista, the global digital payments market was estimated to exceed $4 trillion in 2020 and is expected to exceed $10 trillion by 2026. A digital wallet stores your payment information, and with it, you can pay online and in person. It stores the payment. start trading. Finalize transaction. 8%. The report outlined that digital driver’s licenses should only be adopted if they are not mandatory, do not lead to ubiquitous ID checks and do use technology to protect privacy. As the digitization of financial services becomes more popular, having a proper e-wallet is essential to manage your daily life efficiently. Some. Without having to show proof of UK residency, Monese will give you a multi-currency account for GBP, EUR, Romanian leu, plus an EU IBAN and a UK sort code. Digital wallets already respond for 11% of e-commerce volume in Latin America, with USD 20. Join now and enjoy all the benefits and discounts that we have for you. The digital wallet revolution is here, and more businesses are getting into the market. Google Wallet is a redesigned digital wallet for Android that provides fast, secure access to everyday essentials. As the 2nd largest economy and e-commerce market in the region, Mexico is a particularly strategic country for businesses looking to grow in Latin America. Digital wallets could also help you reach new demographics. With SuperMóvil carry your money and your finances safely, on your cell phone. Most digital wallet products in Latin America and around the world are brought to market by banks or telecom providers. Square Cash App. Si es la primera vez que utilizas Google Wallet, consulta estos artículos destacados para empezar: Descargar la aplicación Google Wallet; Añadir una tarjeta de crédito o débito; Almacenar elementos en. The login page will appear. Number of users of selected mobile wallets in Mexico in 2020, with forecasts from 2021 to 2025 (in millions) [Graph]. Empezar a utilizar Google Wallet. Shop. Colombia. Thanks to Square’s digital wallet, you can store your debit or credit card info. 0% during 2017-2021. Según Fortune, aunque hasta un 30% de los. Digital wallet race in Mexico. The PayPal app is your place for smart shopping, some of the latest security features, and easy ways to send and receive money. That's up from 45% in 2021, and the market could get a boost from Zelle's companion digital wallet Paze, which is set to pilot this month. eGlobal as processor, EVO Payments as Merchant Service Provider. In 2021, more than 51 billion dollars in remittances were sent to those living in Mexico. Tap to Pay on iPhone. Several mobile wallets in Mexico - including Mercado Pago - are believed to see more than triple their number of users between 2020 and 2025. Keep everything protected in one place, no matter where you go. PayPal’s digital wallet also leads in the U. From now on, Google Wallet supports transactions with Visa, Mastercad, Banregio, Banorte, Hey Banco, Inbursa and Nubank bank cards, although new partners such as BBVA, RappiCard and Santander are expected to join in the following months. 5% between 2023 and 2032, driven by the widespread adoption of smartphones and internet connectivity. 96 Billion in 2022 to Reach $107. The new all-in-one PayPal App lets you manage all your money in one place. Overall Best Travel Wallet – Pacsafe V50 RFID Blocking Bi-Fold Wallet. January 7th, 2022 at 8:15 AM EST Skift Take It's not obvious the world needs another payment method. Register as a merchant to accept crypto payments lightning fast. The wallet is simply a digital location where the coins are stored. You start to panic, thinking about the debit and credit cards it contains. Also, considering all EBANX. The first company concentrates on e-commerce but. Eno is your Capital One assistant that looks out for you and your money. Get a current scenario of digital wallets in Mexico. 5% of internet users will make an online purchase this year, representing the largest digital buyer base worldwide, per our estimates. This is the moment to start offering Digital Wallets as a payment option and reach new consumers. New account openings for digital wallets and neobanks are up about 30% in Mexico, and transactions such as bill payments and money transfers are up a whopping 80%. Pay, get paid, and send money globally. Mostly it’s a mobile app, but it can also be a software program on your desktop or built into your browser. While at the Egyptian-controlled Rafah crossing with Belgian Prime Minister Alexander De Croo, Sanchez also. Today, Colombia-based Zulu, a digital wallet for Latin America consumers, is the latest company to bring in new. Venmo - Ideal for Peer-to-Peer Payment Network. Last year, Apple executive Jennifer Bailey said the company was "already in. Latin America Prepaid Card and Digital Wallet Markets Report 2022: Market to Increase from $62. Storage and security: 3 out of 5 stars. You can use Coinbase Wallet’s ‘Trade’ feature to conduct decentralized token swaps on the Ethereum network, as well as Polygon, BNB Chain, and Avalanche C-Chain. 37% over the forecast period, from a market size of US$4,170. 25 Mexico Digital Products Market Size and Forecast by Key Segments, 2016 - 2025. Most digital wallets can be installed as an app on your computer, your phone or another smart device. Learn how to get a prepaid card, a smart money management tool. Simple: Simplest way to explore Web3. Digital Wallet Market size was valued US$ 1. South America is another region where mobile wallets are becoming increasingly popular. Here’s a quick breakdown of how the digital wallet storage method works and how it stacks up against four other potential solutions, including offline wallets, hardware wallets, paper wallets. arrow_forward. Banamex and MasterCard Presented New Digital Wallet in Mexico (Feb. Not available with Fresh Start Spend Account. Banco Santander Mexico SA Institucion de Banca Multiple Grupo Financ. When we talk about “on-ramping”, we simply mean using your regular, fiat money (probably your debit card) to buy some crypto. Learn More about Argentina. Digital Wallet Market Overview Mobile wallet provides a whole new dimension to retail sales in order to boost their market presence. We would like to show you a description here but the site won’t allow us. With online sales expected to reach $12. Like other cryptocurrencies, Bitcoin requires a crypto wallet for storage. Some ATMs within secure locations may require a physical card for entry. Whether it's Apple Pay® 1, Google Pay™ 2 or Samsung Pay® 3, add your Santander® debit or credit Mastercard® to your digital wallet so you can pay in-person, online or in app. Kate Fitzgerald. Send money to Mexico. Digital wallet users can download an app, provision a virtual card, make point-of-sale transactions through contactless and scan to pay or push payments. A digital wallet refers to software, an electronic device, or an online service that enables individuals or businesses to make transactions electronically. But when it comes to international online. You can also use your digital wallet to transfer funds. In this course, you will learn new ways of making payments from consumer-to-business (C2B), from consumer-to-consumer (C2C), and from business-to-business (B2B). PayPal has probably the highest transaction fee among other trusted mobile payment platforms. Tendy is fast, secure, and will finally eliminate those pesky trips to the ATM. HUAWEI Wallet helps you turn your loyalty cards into digital ones you can keep on your phone. Mexico. As a result, you may be able to use your digital. Kentucky. You can send money from a bank deposit to cash pickup. -To have a better control of your expenses, check your movements and those of your extras in real time. Providers is the #1 rated EBT app for checking your food stamp balance. The User goes to the selected MoneyGram location and completes the USDC purchase. Current scenario of digital wallets in Mexico. We came to make your life easier with our app, because you can manage your card very easily and safely. Rather than carrying your actual credit card around, load it into a digital wallet, and simply use your phone to make your purchase instead. 1 billion by 2027, growing at a CAGR of 28. This way, PayPal avoided falling under the. Mexico Prepaid Card and Digital Wallet Business Databook 2023: Market Size and Forecast, Consumer Attitude & Behaviour, Retail Spend 2018-2022 & 2023-2027 - ResearchAndMarkets. Mexican digital wallets are raising funds to expand their business In May 2021, Mexico-based blockchain and bank-connected digital wallet, Airtm, attracted US$15 million investments from Stellar. Mobile internet usage reach in Mexico 2019-2028; Mexico: digital banking transfers 2019-2022, by type;Digital wallets have age restrictions, so children won't be able to add cards if they have a smartphone with a digital wallet already installed. Statista estimates. (October 21, 2021). With 15,000 brick and mortar locations throughout Mexico, Oxxo is a well-loved brand where many go to conduct financial transactions. Or select the digital wallet logo when shopping online and in apps. 5. A digital wallet provides the versatility to process various payment types, including ACH, virtual card, and wire transfers. working in Mexico and those seeking to enter the Mexican fintech market navigate the regulatory environment. With different disbursement options, you control of how your money reaches its destination. , but has far less penetration. Trezor. Hawaii. Volabit fees are low at 0. Abre la aplicación Google Wallet . You can fund your account via online bank transfer or by cash deposit at any 7-Eleven, Farmacias Benavides, Farmacias del Ahorro, or Extra. Others may offer rewards for travel, or have different reward program structures completely. However, it only works on iPhone 6 and later models. A Digital Wallet or e-wallet is a secure and quick way to pay with your phone or mobile device. K. Wallets are also decidedly a payments play: their primary function is to. As you can see in the graphic below, debit cards and digital wallets have outranked cash-based methods in LATAM’s e-commerce. Ethereum Mainnet will soon move to the Beacon Chain, shifting the network’s consensus mechanism from proof-of-work (PoW) to proof-of-stake (PoS). A digital wallet is a virtual wallet that stores a user's various payment types on an app or browser. Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards and in Wells Fargo-supported digital wallets. According to Asociación Mexicana de Venta Online (AMVO), 2022 retail e-commerce sales in Mexico were MX$528 billion (US$30. 9% CAGR March 28, 2023 06:23 ET | Source. Pay. The digital account works like a virtual wallet that allows you to make payments, avoiding paperwork and saving time. Samsung Wallet. AMI analysts believe the continued growth in digital payments in 2022–2023 stems from the development of e-commerce and an indisputable trend toward omnichanneling, prompting large Latin American retailers to develop their own financial solutions. Tap on one of your cards in your “Wallet” tab. 4 China Digital Wallet. G pay – Digital Wallet App. The new all-in-one PayPal App lets you manage all your money in one place. #4. Some ATMs within secure locations may require a physical card for entry. Colombian digital commerce is expected to grow 23% annually through 2025. Pros. Wallet also works with other Google apps — for instance if you’re taking the bus to see a friend and look up directions in Google Maps, your transit card and balance will show up alongside the route. In Mexico, e-commerce giants MercadoPago (nicknamed the “Latin American Amazon”) and Rappi are the wallets that will keep growing until 2025. Tap to pay uses encrypted payment codes to hide your real card number. A Digital Wallet or e-wallet is a secure and quick way to pay with your phone or mobile device. Total e-wallet use in 2017 accounted for 14% of online sales. 5 billion in transactions in 2020, according to a forecast from AMI (Americas Market Intelligence) for the seven main markets in the region (Brazil, Mexico, Colombia, Argentina, Chile, Peru and Uruguay). Here are the six best digital wallet apps that make spending money online secure and easy to do. +134% YoY growth rate: BNPL was the fastest-growing payment method in Argentina. Google Wallet gives you advanced security and easy-to-use privacy controls so you and your information stay safe every day. Paxos, driven by its vision to become a. Ping wants to simplify global payments while helping Latin Americans embrace crypto. Most digital wallet products in Latin America and around the world are brought to market by banks or telecom providers. to Ireland will cost $35. Data from surveys by companies. The final, and newest payment method gaining popularity in Mexico is the e-wallet. Digital Wallet Market size was valued US$ 1. The app uses bank-grade security and encryption to keep your information safe. Digital wallet. Mexico. A unique closed digital wallet, Amazon Pay allows users to purchase products from Amazon and, at the same time, also streamlines payments for local businesses listed on Amazon. 4. Discover the top 14 digital wallets in 2023 – securely manage your money, make payments, and enjoy perks with these game-changers!The Mexican Bank Association will play an important role in trying to make the implementation of digital wallets possible in Mexico. Revise nuestro cuadro comparativo de billeteras de criptomonedas. You can fund your account via online bank transfer or by cash deposit at any 7-Eleven, Farmacias Benavides, Farmacias del Ahorro, or Extra. Every feature, product, and capability Square develops solves your biggest. Mexico. Over the forecast period of 2023 to 2027, the market is expected to record a CAGR of 13. To find everything that you added to Google Wallet, at the bottom of the screen, tap Show all. Accelerated by COVID-19 concerns, mobile wallet usage gives. Soon, mobile devices became the. A digital wallet stores credit, debit, and loyalty card details for use online; a mobile wallet is any digital wallet that can be used on a mobile device or for proximity payments. A digital wallet is an electronic means of encrypting your virtual payment information, and guarding your personal information as you use your phone to make purchases. Over the forecast period of 2022 to 2026, the market is expected to record a CAGR of 14. , Mexico, Canada, and Australia, 71% said they always or sometimes pay with a digital wallet. The total value of digital wallets transactions will rise from $9 trillion in 2023 to surpass $16 trillion in 2028, a rise of 77%. ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting. Mexico has 7 trusted exchanges available for you to sign up for, with the most popular being Volabit and Binance, which account for a combined 90,000,000 active users. Store trade, earn, and manage crypto, NFTs, and digital assets across 50+ blockchains. Additionally, GCash offers a wide range of features and services, including cash-in and cash-out options, investing, and loans. A digital wallet goes by many names. Driver’s licenses and state IDs in Apple Wallet provide an easy, fast, and more secure way for people to present their driver’s license or state ID from their iPhone. K. 9 billion), an 23% increase from 2021. 3. In April 2021, complaints nearly doubled from the previous record month, July 2020. Coinbase is a digital wallet for storing digital currency or cybercurrency, providing a way to pay with alternative currency for secure and fast transactions around the world. Accepting payments via digital wallets offers two key benefits: Paying via a digital wallet is more convenient for your customers. We explore which digital payments models are best placed to gain momentum in emerging markets, which monetization paths payments providers are likely to pursue, and what innovations may lie onGoogle Wallet es una aplicación de cartera digital creada por Google para cualquier dispositivo Android. You can allow your customers to use common digital wallets including Apple Pay, Masterpass and Visa Checkout. The Law to Regulate Financial Technology Institutions known as Fintech Law, It works as a regulatory framework for companies that make use of technology and offer financial products. over a 6-month period from October 2021 – March 2022, n=40. Learn about the features of the PayPal digital wallet and download. Simply log into Steam, select a Steam Friend and a gift amount, and we'll do all the rest. Popular digital wallets include Google Pay, Alipay, WeChat Pay and Apple Pay. More than 1 in 4 checking account holders pay fees. PayPal. Accepting digital. Benefits of offering this popular payment method. Para buscar rápidamente tu banco o tarjeta, pulsa Ctrl+F. As the metaverse continues to evolve, digital payments are going beyond in-store and online contactless payments, as people can store payment information -- both cryptocurrency and digital currency -- directly in the platform for virtual metaverse stores. Scan the code or enter your number to get the app. Cash App. . Characteristic. Mexican digital wallets are raising funds to expand their business In May 2021 , Mexico -based blockchain and bank-connected digital wallet, Airtm, attracted US$15 million investments from Stellar. In stores, simply tap your mobile device where you see the digital wallet logo or Contactless Symbol at checkout. En los Estados Unidos, las billeteras móviles sin contacto siguen batallando, incluso a pesar de la gran cantidad de publicidad que se les ha hecho. Skrill has been helping to make it, send it and spend it for millions of customers since 2001. Instead, funds are transferred directly to one’s bank account. The Best Digital Wallet Apps Market Share (US) 5 Best Digital Wallet Apps for Android or iOS Platforms in 2023. Custody technology service provider refers to a digital asset wallet service provider that provides a technology or software solution for the creation, administration and security of digital asset wallets. Digital wallet complaints have increased sharply in 2021. While most payment apps and websites offer some sort of digital wallet, they aren't complete wallets in Mexico. 6 billion dollars in 2021. This adds an extra layer of protection in case someone’s smartphone is stolen. 4%, Brazil 51. 1 billion in 2019, and is projected to reach $7,580. Para utilizar la billetera digital de Google Wallet en México se tiene que descargar desde la Play Store en un dispositivo Android. E-wallets are on the rise. Step 3. 11 While Worldcoin smartphone wallet adoption involved a steep learning curve for its target users, these projects involve prepaid cards and paper. You can send recurring payments to other people for things like rent, internet, or groceries — and set up auto reload to top up your balance. Some credit cards include the opportunity to earn additional rewards for purchases at specific times of the year. 53 billion by 2026. It has taken Mexico a long time to digitalize its economy. Coinbase. Google Wallet gives you advanced security and easy-to-use privacy controls so you and your information stay safe every day. Internet usage in México is on a steady rise and yet 38 percent of the population still don’t have internet access. In countries such as Brazil and Mexico, mobile wallets have seen significant growth in recent years. 3 million. This way, PayPal avoided falling under the regulation. Tap on “Pay” to reveal the card number, expiration date, and CVV code. 2. , and Brazil with 64%, 58%, and 51% of consumers respectively. com Diverse payment methods with solutions that increase your total addressable market by providing the most appropriate options for digital purchases and boosting your performance in cross-border sales with a reliable global settlement network. But, with. Send Link. Wells Fargo & Co. Thailand has among the world’s largest and most successful real-time payment networks in PromptPay. 3 China Digital Wallet Market Size by Type (2015-2020) 8. The mobile wallet payment in retail industry. Digital wallets are generally supported wherever contactless. Phone number. With its current headquarters in Dublin, Ireland, this centralized cryptocurrency exchange allows its users to quickly and securely buy and sell cryptocurrencies. Apple Pay, Google. They're largely trusted by younger generations, with 48% of millennials and 46% of Gen Z stating that they trust digital wallets. A recent report from McKinsey showed that 82% of Americans now rely on some form of digital payment, including digital and mobile wallets as well as BNPL (Buy Now Pay Later) and. Google Wallet es una plataforma que funciona como una billetera digital totalmente segura, en ella podrás almacenar tus tarjetas de crédito, débito, de lealtad, de regalo, pases de abordar, entradas de conciertos, cine y otros eventos, todo en un mismo lugar. Con ella, la empresa del buscador crea un rival directo a la Samsung Wallet del fabricante. See full list on pymnts. Conversely, off-ramping is when you “cash out” of crypto, converting your coins or tokens. PayPal Mexico serves as an example. Think BBVA Wallet (bank), mPesa (mobile operator) and Apple Pay and Samsung Pay (mobile technology companies). Learn more about Digital Wallets. In 2020, there were approximately 2. Mexico’s mobile payment industry is dominated by two of the biggest digital payment facilitators in North and South America, PayPal and Mercado Pago. Additionally, the advent of eCommerce methods such as. Create an account with an exchange. Volabit fees are low at 0. With major players like Google, Apple, Paypal and others jumping on the bandwagon and developing their own mobile-first payment technologies, it seems to be a safe bet a shift in consumer payment technologies is on the horizon. To conduct a transaction, users unlock their device, select their payment method, and then hold their device close to the card reader. Plus, see all your spending in one app with Providers Card, our free mobile banking account. Mexico Digital Wallet - Transaction Volume Trend Analysis, 2018-2027 3. followed by 51% in Mexico, 50% in Italy and 46% in the U. Apple Pay is a contactless digital wallet app designed for the users of iPhone or Apple Watch. However, there are some disadvantages of paper wallets. They essentially remove the need for carrying physical cash. When it comes to popularity, Gcash is the best mobile wallet in the Philippines. Google Wallet gives you advanced security and easy-to-use privacy controls so that you and your information stay safe every day. Use Xoom to make safe, seamless transfers directly to Mexico. Discover the future of payment technology, from mobile payments to tokenization. This can make it easier to keep track of your financial health. They ultimately eliminate much of the need to carry around an actual wallet. Using a P2P app is like spending cash. Similarly, in Mexico, mobile wallet user penetration is projected to soar significantly, with over half of the.