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National card schemes load up on innovation as the payments ecosystem becomes more competitive
By
Chris Hamilton, payments industry consultant, Hamilton Platform
National debit card schemes used to be able to think of themselves (perhaps a little complacently) as national utilities. As long as they were reliable, ubiquitous and cheap, they didn’t need to lead the pack on innovation. But this mindset has now largely gone. There is a broad global consensus amongst national payments schemes that survival, let alone growth, depends on continuous systemic innovation. So what’s next for the basic plumbing of the world’s retail economies?