Digital Disruptors


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Retail payments are facing massive transformation due to a perfect storm of emerging digital technologies, consumer demand for speed and choice, a fast-evolving competitive landscape, and regulatory change across the globe.

Fintech firms are moving quickly to establish market share, launching new retail payment products which often don’t depend on traditional rails and sometimes challenge the four-party card model as we know it today. These new card-free retail payment models bring digital innovation to consumers and potentially simpler relationships to merchants – they introduce choice beyond cards and traditional banking products, as well as a host of new ways to engage with payments.

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