Hi Hope,
Is it a discussion?

If yes, what not starting a discussion rather than a SmallSpender ref ?

I get the point of the discussion, but I don't get the form under a SmallSpender ref here.

Thx in advance for the explanation on using this specific track.

Example: when delivering Apple Pay, tokenization was not advertised to the masses. Even now when I talk to RWA folks some did not know that Tokenization was introduced with Apple Pay.

I'm sorry but this is absolutely not correct. Apple Pay tokenization means that your credit card number is never shared with the merchant to make a transaction. A token is instead created using the credit card number as part of the seed which can be verified by the PCI processor. THIS IS WILDLY DIFFERENT FROM RWA TOKENIZATION. Please stop telling people this... And this concept wasn't introduced with Apple Pay, this concept was introduced with the creation of EMV chips which have been around since the 90's.