Thanks Dan, interesting to hear your overview. About to launch my ‘Lifestyle key card’ in Newcastle which gives free car club membership and first day use (and free street bike use and lots of discounts from various stuff) for those signing up for my bus Smartcard by monthly direct debit. Hope to add taxi account with discount and rail too in due course for a transport ‘bundle’ based on a single Smartcard which the purchaser manages on-line on their web account. Maybe I am bonkers but want to try a completely new approach to selling transport!