Kam: Two reasons: cost-savings, and customer service. There's costs associated with handling and transporting cash, both administrative and security.

As for customer service, one of our bigger strengths is that people love to use the card. If you link your card to AAVS [Automatic Add-Value Service, which links to a credit card and "tops up" the card when necessary], you don't need to feed notes into a machine, and you never need to worry about coins.

It's getting more difficult to get rid of coins in Hong Kong. In the past, you could use them on buses, or keep them at home in a jar. But now they're becoming useless. If you use the Octopus, you don't have to deal with them.

But another customer-service feature is the chance to win customers from your competitors. Customer relationship management is better.

CWHK: How many of your users have signed up for AAVS?