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Payments

Usage, fraud protection, EMV, and rewards all gain
Retailers have many options and cash is expensive
41% of debit cards likewise will have embedded chips
Dissatisfaction with response drives many to switch banks
Will concentrate on application to unbanked, privacy, security, money management
Learn and embrace these acronyms: HCE, BLE, and EMV
Could reach 300 million globally as contactless cards roll out
Paper-based payments to drop 10% by 2019
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