The document discusses how payment processing for small businesses has changed from primarily cash-based to card-based. It notes that 70% of UK consumers prefer to pay with cards. There are 20 million small businesses in Europe, making up 20-30% of total GDP and 60% of total employment. The document suggests payment processing could expand significantly into new markets in Europe, Mexico, and Brazil. It envisions attracting all businesses for payment processing and sees a future where 95% of offline stores integrate online and card payment capabilities.