Finest why would not Walmart have faucet to pay? This seemingly easy query unlocks a posh historical past of technological funding, safety issues, and strategic enterprise selections which have formed the retail panorama. For years, Walmart lagged behind its rivals in embracing the comfort of contactless funds, sparking curiosity and debate amongst shoppers and trade analysts alike. Understanding the explanations behind this delayed adoption requires a deep dive into the corporate’s inside dynamics, its aggressive atmosphere, and the evolving world of economic know-how.
The journey to know Walmart’s tap-to-pay stance includes exploring its present cost infrastructure, weighing the dangers and rewards of recent applied sciences, and analyzing the affect of its proprietary cost system, Walmart Pay. Moreover, we’ll analyze the aggressive pressures from rivals like Goal and Amazon, which have lengthy supplied tap-to-pay choices. Lastly, we’ll examine the operational challenges Walmart faces in integrating and sustaining these methods throughout its huge community of shops, together with issues like {hardware}, software program, and employees coaching.
This exploration will present a complete understanding of Walmart’s previous, current, and future within the realm of contactless funds.
Why has Walmart traditionally resisted the widespread adoption of tap-to-pay know-how at its checkout counters?: Finest Why Does not Walmart Have Faucet To Pay
Walmart’s hesitation in the direction of tap-to-pay adoption has been a posh concern, formed by strategic issues round know-how funding, operational effectivity, and buyer expertise. Whereas seemingly a easy improve, the implementation of contactless funds represents a multifaceted resolution with vital implications for the retail big’s infrastructure and enterprise mannequin.
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Technological Infrastructure Investments
The transition to tap-to-pay required substantial investments in Walmart’s technological infrastructure. The prevailing cost processing methods have been designed to deal with a selected set of cost strategies and transaction protocols. Integrating contactless funds necessitated upgrading point-of-sale (POS) terminals, updating software program, and making certain compatibility with numerous cost networks like Visa, Mastercard, and American Specific.Walmart’s legacy methods have been constructed on a basis of magnetic stripe card readers and, later, EMV chip readers.
These methods have been optimized for processing transactions in a selected method, and changing them solely was not a sensible strategy. As a substitute, Walmart wanted so as to add contactless cost performance to present methods or implement a hybrid strategy. This concerned the next:
- POS Terminal Upgrades: Changing or upgrading present POS terminals with these able to studying contactless playing cards, NFC-enabled cell wallets (like Apple Pay and Google Pay), and probably different rising applied sciences.
- Software program Updates: Updating POS software program to acknowledge and course of contactless transactions, making certain safe knowledge transmission, and integrating with present cost processing networks.
- Community Infrastructure: Making certain the community infrastructure may deal with the elevated transaction quantity and the particular necessities of contactless funds.
- Safety Enhancements: Implementing sturdy safety measures to guard delicate cost knowledge, together with tokenization and encryption.
In comparison with the present cost processing methods, the tap-to-pay improve concerned vital upfront prices, ongoing upkeep, and potential compatibility points. The prevailing system was a well-oiled machine, and altering it was not a easy process.
Influence on Transaction Speeds and Buyer Throughput
Faucet-to-pay know-how promised sooner transaction speeds and improved buyer throughput. Nonetheless, the advantages wanted to be weighed in opposition to Walmart’s present methods for managing checkout strains and buyer circulation. Walmart had already applied methods to streamline the checkout course of, together with self-checkout lanes and the usage of cell checkout choices in some shops.The theoretical benefit of tap-to-pay, which is the pace of a transaction, wanted to be evaluated in opposition to the present methods to find out the true influence.
The pace of a tap-to-pay transaction is commonly sooner than inserting a chip card, however the time saved is just a few seconds per transaction. In a high-volume retail atmosphere like Walmart, even small beneficial properties in transaction pace can translate into vital enhancements in buyer throughput.The implementation of tap-to-pay may have had the next results:
- Decreased Wait Occasions: By rushing up the checkout course of, tap-to-pay may have diminished wait occasions, particularly throughout peak hours.
- Elevated Buyer Satisfaction: Quicker checkout occasions can result in elevated buyer satisfaction and a greater purchasing expertise.
- Improved Effectivity: By optimizing the checkout course of, Walmart may probably enhance effectivity and cut back labor prices.
Nonetheless, the advantages weren’t at all times instantly obvious. The pace of a transaction additionally relies on the shopper’s familiarity with the know-how, the pace of the community, and the processing time of the cost community.
Advantages and Drawbacks of Walmart Implementing Faucet-to-Pay
Here’s a desk summarizing the advantages and downsides of Walmart implementing tap-to-pay, detailing every facet totally:
| Side | Advantages | Drawbacks | Particulars |
|---|---|---|---|
| Buyer Expertise | Quicker checkout occasions, resulting in improved buyer satisfaction. Fashionable cost choices entice tech-savvy clients. | Potential for preliminary confusion amongst clients unfamiliar with the know-how. Requires training and coaching. | Faucet-to-pay sometimes takes a number of seconds per transaction, which might cut back wait occasions throughout peak hours. Some clients could also be unfamiliar with tap-to-pay, so clear signage and employees coaching are essential. |
| Operational Effectivity | Probably sooner transaction speeds can enhance buyer throughput. Decreased want for money dealing with, which may streamline operations. | Vital upfront funding in new POS {hardware} and software program upgrades. Ongoing upkeep prices and potential for technical points. | Quicker checkout occasions may result in shorter strains, particularly throughout peak purchasing intervals. The prices related to upgrades, upkeep, and potential safety breaches might be vital. |
| Technological Integration | Integration with cell wallets (Apple Pay, Google Pay) enhances cost choices. Adaptability to future cost applied sciences. | Compatibility points with present cost methods. Safety issues associated to knowledge breaches. | Faucet-to-pay can combine with present cell pockets platforms, which offer comfort to clients. Safety breaches may end up in monetary losses and reputational harm. |
| Monetary Issues | Might probably cut back labor prices by means of sooner checkout occasions. Attracts clients preferring trendy cost strategies, probably growing gross sales. | Transaction charges related to contactless funds. Potential for fraud and chargebacks. | Quicker checkout occasions can cut back the necessity for as many cashiers. Fraud and chargebacks can result in monetary losses for the enterprise. |
What safety issues or danger mitigation methods might need influenced Walmart’s preliminary hesitation towards contactless cost strategies?
Walmart’s early reluctance to embrace tap-to-pay wasn’t merely a matter of technological lag. It was a calculated evaluation of danger, a deep dive into the safety implications of a nascent know-how panorama. This concerned scrutinizing the obtainable protocols, evaluating the potential for fraud, and devising methods to safeguard each the corporate and its clients.
Safety Protocols in Early Contactless Cost Applied sciences
The preliminary rollout of tap-to-pay, pushed by applied sciences like Close to Subject Communication (NFC), offered a brand new assault floor for potential fraudsters. Understanding the strengths and weaknesses of those early protocols was paramount for Walmart.When tap-to-pay applied sciences first emerged, a number of safety protocols have been employed. These included:
- Tokenization: This changed delicate card knowledge (just like the Major Account Quantity or PAN) with a singular, randomly generated token. The token was used for transaction authorization, minimizing the publicity of the particular card particulars if a breach occurred. The worth of tokenization was that even when a token was compromised, it was ineffective exterior the context of a selected service provider and transaction.
- Encryption: Information transmitted throughout the tap-to-pay course of was encrypted, defending it from eavesdropping. Encryption protocols like Safe Ingredient (SE) and Host Card Emulation (HCE) have been employed to safeguard the transaction knowledge. The energy of the encryption instantly impacted the problem for attackers to decrypt and entry the data.
- Cryptograms: These have been basically digital signatures that verified the authenticity of the transaction. They confirmed that the transaction originated from a legit supply and hadn’t been tampered with. The usage of cryptograms added an extra layer of safety by verifying the transaction’s integrity.
- Transaction Limits: To restrict the potential harm from fraudulent transactions, early tap-to-pay methods usually applied transaction limits. This restricted the quantity that could possibly be charged with out requiring extra verification, resembling a PIN or signature. These limits helped to mitigate the danger of large-scale fraud.
Nonetheless, even with these protocols, vulnerabilities existed. For instance, a “man-in-the-middle” assault may probably intercept and manipulate the encrypted knowledge, and the reliance on safe components launched factors of failure. Walmart possible weighed these vulnerabilities in opposition to the potential advantages of contactless funds.
Threat of Fraud Related to Faucet-to-Pay Versus Conventional Cost Strategies
Walmart’s analysis of tap-to-pay included an in depth evaluation of the fraud dangers in comparison with conventional cost strategies like magnetic stripe playing cards and EMV chip playing cards. The evaluation thought of the forms of fraud that have been extra prone to happen with contactless funds.The dangers related to tap-to-pay versus conventional strategies have been rigorously examined. Whereas chip playing cards supplied enhanced safety in comparison with magnetic stripe playing cards, contactless funds launched a special set of potential vulnerabilities.
Walmart’s evaluation possible thought of eventualities resembling:
- Card Skimming: Whereas much less prevalent with chip playing cards, fraudsters may probably use subtle gadgets to skim card knowledge throughout the tap-to-pay course of, notably if the safety protocols weren’t robustly applied.
- Proximity Assaults: Fraudsters may probably provoke fraudulent transactions by bringing a cost machine near a contactless reader with out the cardholder’s data, particularly if transaction limits have been set excessive.
- Malware and Hacking: Vulnerabilities in point-of-sale (POS) methods may permit attackers to inject malware that intercepted or altered transaction knowledge, together with contactless funds.
- Social Engineering: Scammers may exploit cardholders’ lack of know-how about contactless cost safety to trick them into revealing their card info or PIN.
An instance of potential fraud may contain a fraudster exploiting a vulnerability in a POS system to intercept tokenized cost knowledge. The attacker may then use this knowledge to make unauthorized purchases, probably inflicting vital monetary losses for Walmart and its clients. One other instance can be a “shoulder browsing” assault, the place a fraudster observes a cardholder coming into their PIN at a cost terminal after which makes use of the stolen info to make fraudulent contactless funds.
Key Threat Mitigation Methods
To mitigate the dangers related to tap-to-pay, Walmart may have thought of a number of methods. These methods would have been essential for constructing buyer belief and defending the corporate from monetary losses.Implementing efficient danger mitigation methods was important for Walmart. Some key methods they might have thought of embody:
- Enhanced Authentication: Requiring PINs or signatures for transactions above a sure threshold, even for contactless funds. This added a layer of safety, making it tougher for fraudsters to make unauthorized purchases.
- Fraud Monitoring Programs: Implementing subtle fraud detection methods that analyzed transaction patterns and flagged suspicious exercise in real-time. This might have concerned monitoring for uncommon transaction quantities, areas, or frequencies.
- Worker Coaching: Coaching workers to acknowledge and report fraudulent actions, and educating them in regards to the safety protocols utilized in tap-to-pay transactions. This may assist workers establish probably fraudulent transactions and take applicable motion.
- Safe POS System Updates: Usually updating POS methods with the most recent safety patches to deal with recognized vulnerabilities and forestall malware assaults. This may assist be sure that the POS methods have been protected in opposition to the most recent threats.
- Buyer Training: Educating clients in regards to the safety features of tap-to-pay and offering them with recommendations on how one can defend themselves from fraud. This might have included details about transaction limits, fraud reporting, and how one can establish suspicious exercise.
How did Walmart’s proprietary cost system, Walmart Pay, affect its selections relating to the acceptance of exterior tap-to-pay choices?
Walmart’s strategic embrace of its personal cell cost resolution, Walmart Pay, considerably formed its strategy to contactless cost applied sciences. This inside growth, launched in 2016, offered a direct various to established tap-to-pay methods like Apple Pay and Google Pay. The corporate’s selections relating to these exterior choices have been inextricably linked to the targets and performance of Walmart Pay.
Walmart Pay’s Aggressive Panorama
Walmart Pay’s introduction created a aggressive atmosphere inside Walmart’s ecosystem. The first intention was to seize a bigger share of the cost course of, gathering beneficial buyer knowledge and probably decreasing transaction charges. This inside system was designed to offer a seamless checkout expertise for Walmart clients.
- Information Seize and Buyer Insights: Walmart Pay enabled Walmart to gather beneficial buyer knowledge relating to buying habits. This info could possibly be leveraged for focused advertising campaigns, personalised promotions, and improved stock administration. The extra clients used Walmart Pay, the richer the information turned.
- Decreased Transaction Charges: By processing funds internally, Walmart probably diminished the charges paid to bank card networks. This was a big cost-saving measure, particularly contemplating the excessive quantity of transactions processed every day throughout its shops.
- Seamless Checkout Expertise: Walmart Pay supplied a streamlined checkout course of. Prospects may hyperlink their credit score or debit playing cards to the app, scan a QR code on the register, and full their buy shortly, bypassing the necessity to bodily swipe a card. This streamlined course of was a key promoting level.
Benefits and Disadvantages of Walmart Pay In comparison with Exterior Faucet-to-Pay
Evaluating Walmart Pay with exterior tap-to-pay choices reveals each benefits and drawbacks. This comparability influenced Walmart’s selections about which cost strategies to prioritize.
- Benefits of Walmart Pay:
- Integration with the Walmart Ecosystem: Walmart Pay was deeply built-in with the Walmart app, providing options like entry to digital receipts, straightforward returns, and entry to retailer maps.
- Management over Buyer Information: Walmart had full management over the shopper knowledge generated by Walmart Pay transactions, permitting for granular evaluation and focused advertising.
- Potential for Price Financial savings: The potential to cut back transaction charges made Walmart Pay a financially enticing possibility.
- Disadvantages of Walmart Pay:
- Restricted Acceptance: Walmart Pay may solely be used at Walmart shops, limiting its usability in comparison with Apple Pay or Google Pay, that are accepted at a a lot wider vary of shops.
- Reliance on the Walmart App: Prospects wanted to obtain and use the Walmart app to make use of Walmart Pay, which could possibly be a barrier to adoption for some.
- Lack of Community Results: Walmart Pay lacked the community results loved by established cost platforms like Apple Pay, which benefited from widespread acceptance and model recognition.
Public Statements Relating to Cost Technique
Walmart executives’ public statements throughout the preliminary rollout of Walmart Pay supplied insights into their strategic considering.
“We’re centered on offering our clients with the absolute best purchasing expertise, and that features providing handy and safe cost choices. Walmart Pay is a key a part of that technique, permitting us to supply a seamless checkout expertise whereas additionally offering our clients with beneficial options and advantages.” – Assertion attributed to a Walmart government throughout the Walmart Pay launch.
The main focus was clearly on the benefits of Walmart Pay and its alignment with the corporate’s broader buyer expertise technique. The statements additionally not directly hinted on the firm’s prioritization of its inside system.
What aggressive pressures from different retailers formed Walmart’s strategy to contactless funds and their subsequent implementation of tap-to-pay?
Walmart’s evolution within the contactless cost enviornment was considerably molded by the strategic strikes of its rivals. The retail panorama is fiercely aggressive, and the adoption of recent applied sciences, notably in cost methods, usually hinges on the actions of rivals. Walmart’s strategy wasn’t developed in a vacuum; it was a rigorously calculated response to the initiatives of corporations like Goal, Amazon, and Kroger, who have been actively experimenting with and implementing contactless cost options.
Whereas the absence of tap-to-pay at Walmart puzzles many, it is a strategic resolution rooted in infrastructure and price issues. Eager about precision, very like the intricate changes wanted to your car, discovering the best car alignment shop near me requires analysis. Equally, Walmart’s cost decisions replicate a posh equation, in the end influencing the shopper expertise and, in fact, their backside line relating to tap-to-pay know-how.
The intention was to keep up a aggressive edge and guarantee a seamless buyer expertise, which in flip may influence buyer loyalty and gross sales.
Aggressive Influences on Contactless Cost Methods
Walmart’s preliminary reluctance to embrace tap-to-pay was partly a strategic maneuver to leverage its present proprietary cost system, Walmart Pay. Nonetheless, the rise of contactless funds amongst its essential rivals step by step pressured a shift in its technique. The core driver was the necessity to stay aggressive in a quickly evolving market, the place buyer expectations have been more and more formed by the comfort supplied by rivals.
Comparative Evaluation of Faucet-to-Pay Experiences, Finest why would not walmart have faucet to pay
The faucet-to-pay expertise different considerably throughout Walmart’s essential rivals. This divergence in strategy highlights the totally different priorities and technological infrastructures of every retailer.Goal, as an example, supplied a comparatively early and simple implementation of contactless funds. Their methods typically supported main credit score and debit playing cards, in addition to cell wallets like Apple Pay and Google Pay. The client expertise was designed to be fast and straightforward, with clear signage indicating tap-to-pay acceptance.
Goal’s focus was on broad compatibility to facilitate the convenience of cost on the level of sale.Amazon, by means of its bodily shops like Amazon Go and Complete Meals Market, supplied a extra modern strategy. Amazon Go shops eradicated conventional checkout strains altogether, using “Simply Stroll Out” know-how. This method robotically detected gadgets as clients took them from the cabinets and charged their Amazon accounts.
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Complete Meals, after its acquisition by Amazon, built-in Amazon Pay and supported contactless funds. This integration of know-how improved the purchasing expertise and the convenience of cost.Kroger’s technique centered on integrating its personal loyalty program with its cost methods. Kroger embraced contactless funds, primarily to hurry up checkout and improve buyer comfort. Kroger additionally invested in its personal cost app, just like Walmart Pay, however the emphasis was additionally on accepting a broad vary of contactless choices, together with cell wallets and tap-to-pay playing cards.
This strategy sought to spice up buyer loyalty and streamline the purchasing expertise.The core technological distinction between these retailers lay of their underlying infrastructure and the extent of their integration with different companies. Goal’s strategy was largely centered on commonplace point-of-sale methods, whereas Amazon leveraged its technological prowess to create extra superior and built-in options. Kroger’s technique centered on loyalty and comfort.
Key Components in Walmart’s Faucet-to-Pay Adoption
Walmart’s eventual adoption of tap-to-pay was a posh course of influenced by a number of vital components.
- Aggressive Stress: The actions of Goal, Amazon, and Kroger performed a big function. As these rivals supplied tap-to-pay choices, Walmart confronted strain to match this comfort to keep away from dropping market share. Prospects began to anticipate this selection as a regular.
- Market Traits: The broader market development in the direction of contactless funds, pushed by client demand and the growing availability of suitable gadgets (playing cards and cell wallets), was essential. The widespread adoption of smartphones with NFC (Close to Subject Communication) capabilities accelerated this development.
- Technological Developments: Enhancements in point-of-sale know-how and the event of safe contactless cost protocols made tap-to-pay extra dependable and safe. These developments mitigated a few of the preliminary safety issues which will have hindered Walmart’s earlier adoption.
- Buyer Expertise Expectations: As tap-to-pay turned extra prevalent, buyer expectations shifted. Walmart acknowledged the significance of offering a seamless and environment friendly checkout expertise to keep up buyer satisfaction and loyalty. The comfort supplied by tap-to-pay helped enhance the general purchasing expertise.
What are the present operational challenges that Walmart faces in absolutely integrating and sustaining tap-to-pay methods throughout its expansive community of shops?
Walmart’s widespread adoption of tap-to-pay know-how, whereas seemingly simple, presents a posh net of operational hurdles. These challenges span from making certain constant performance throughout 1000’s of shops to the intricate interaction of varied departments in supporting the system. The sheer scale of Walmart’s operations amplifies these difficulties, demanding sturdy options to keep up seamless transactions and buyer satisfaction.
Making certain Constant Faucet-to-Pay Performance Throughout All Shops
Sustaining uniform tap-to-pay performance throughout Walmart’s huge community necessitates a multifaceted strategy. This includes rigorous {hardware} upkeep, well timed software program updates, and complete employees coaching. The target is to eradicate discrepancies and guarantee a constant buyer expertise, whatever the retailer location.* {Hardware} Upkeep: The bodily point-of-sale (POS) terminals, together with card readers and related tools, are susceptible to put on and tear.
Common upkeep, together with cleansing, part substitute, and calibration, is essential. This requires a devoted workforce or contracted service to carry out routine checks and deal with malfunctions promptly. A failure in a single retailer can create damaging impacts on buyer satisfaction, model picture, and income.* Software program Updates: POS software program requires common updates to deal with safety vulnerabilities, enhance efficiency, and help new cost strategies.
Managing software program deployments throughout 1000’s of shops concurrently poses a big logistical problem. Walmart should implement a sturdy replace system that minimizes downtime and ensures all shops function on the most recent software program variations.* Employees Coaching: Efficient tap-to-pay implementation depends closely on employees proficiency. Workers have to be educated on how one can course of tap-to-pay transactions, troubleshoot widespread points, and help clients who encounter difficulties.
Constant coaching applications and refresher programs are important to make sure all employees members are geared up with the mandatory data and expertise.
Position of Totally different Departments in Supporting and Sustaining Faucet-to-Pay Programs
Supporting and sustaining tap-to-pay methods includes the coordinated efforts of a number of key departments inside Walmart. Every division performs a vital function in making certain the sleek operation and safety of the system.* IT Division: The IT division is liable for the technical infrastructure of the tap-to-pay system. This contains managing POS {hardware} and software program, community connectivity, knowledge safety, and troubleshooting technical points.
The IT division additionally handles software program updates, system integrations, and ensures the system complies with trade requirements like PCI DSS (Cost Card Business Information Safety Normal).* Safety Division: The safety division is liable for defending the tap-to-pay system from fraud and cyberattacks. This includes implementing safety protocols, monitoring transaction knowledge for suspicious exercise, and investigating potential breaches. They work together with IT to make sure the system’s safety and compliance with laws.* Buyer Service Division: The customer support division handles buyer inquiries and complaints associated to tap-to-pay transactions.
They supply help to clients experiencing difficulties and escalate advanced points to the suitable departments. The customer support workforce acts as the primary line of protection in resolving tap-to-pay associated points and making certain buyer satisfaction.
Potential Eventualities and Decision Steps for Faucet-to-Pay Points
Prospects might often encounter points with tap-to-pay performance at Walmart. Having established procedures for resolving these issues is crucial for sustaining buyer satisfaction.* Situation 1: Card Not Acknowledged
Concern
The client’s card just isn’t being acknowledged by the tap-to-pay reader.
Steps
1. The client ought to guarantee the cardboard is held near the reader. 2. If the cardboard nonetheless is not acknowledged, the shopper ought to attempt inserting the cardboard or swiping it. 3.
If neither methodology works, the cashier ought to manually enter the cardboard info. 4. The client ought to contact their financial institution to confirm the cardboard’s performance.* Situation 2: Transaction Declined
Concern
The faucet-to-pay transaction is declined.
Steps
1. The client ought to confirm they’ve adequate funds obtainable. 2. The client ought to examine with their financial institution to make sure there are not any points with the cardboard. 3.
The cashier ought to counsel attempting a special cost methodology. 4. The cashier can even try and re-process the tap-to-pay transaction.* Situation 3: Reader Malfunction
Concern
The faucet-to-pay reader just isn’t functioning appropriately, displaying an error message or not responding.
Steps
1. The cashier ought to try and restart the reader. 2. If the issue persists, the cashier ought to change to a special POS terminal. 3.
The cashier ought to course of the transaction utilizing another cost methodology. 4. The cashier ought to report the malfunction to the IT division for restore.
Prime FAQs
Why did Walmart initially prioritize Walmart Pay over tap-to-pay?
Walmart prioritized Walmart Pay to retain management over the shopper cost expertise and knowledge. It additionally allowed them to supply unique offers and personalize the purchasing expertise, fostering buyer loyalty and gathering beneficial insights into client habits, all inside their very own ecosystem.
Does Walmart settle for all forms of tap-to-pay now?
Sure, Walmart now typically accepts a variety of tap-to-pay strategies, together with Apple Pay, Google Pay, and contactless credit score and debit playing cards, throughout most of its shops.
Are there any charges related to utilizing tap-to-pay at Walmart?
No, there are not any extra charges for purchasers who select to make use of tap-to-pay at Walmart. The transaction course of is similar as with conventional card funds, with the charges being dealt with by the cost processors and banks.
What ought to I do if my tap-to-pay transaction would not work at Walmart?
In case your tap-to-pay transaction fails, first guarantee your card or machine is correctly enabled for contactless funds and held near the reader. If the issue persists, attempt inserting your card or utilizing one other cost methodology. If points proceed, inform a retailer affiliate for help.
How safe is tap-to-pay at Walmart in comparison with swiping a card?
Faucet-to-pay is mostly thought of safer than swiping a card. It makes use of tokenization, which suggests your precise card quantity is not transmitted, and the transaction is encrypted, decreasing the danger of fraud. Moreover, every tap-to-pay transaction sometimes requires verification, including an additional layer of safety.
