@maxhorn @daringfireball Network, yes. But Amex are both a network *and* an issuer. For example, Apple Card is issued by Goldman Sachs in the USA. But that’s not a bank here in the U.K., or in many places globally, so no Apple Card for us unless/until Apple finds a U.K. partner bank. But Amex is already a global card issuer, so that could potentially accelerate the global rollout.