The RBI has mandated that from Jan 1, 2022, payment gateways and merchants can no longer save sensitive customer credit and debit card data (card number, expiry date, CVV) and instead should have users generate an encrypted token which will be presented for validation during transactions. Users will be required to request a token with the combination of each one of their cards (CVV) and device used (OTP) for each merchant. What kind of issues do you foresee in migrating to this system by Jan 1, 2022?

(You may select more than one option if you foresee multiple issues happening)