The trends affecting Payment Market Infrastructures (PMIs) today could project us into a very different future. Some imagine the rapid consolidation of cashless payments in all areas of life, perhaps dominated by crypto currencies. Others see a world populated by a myriad of fintech alternatives with niche activities characterising the payments landscape. Lowering costs and low profit margins give many the idea that payments will become a mere commodity service with little to attract innovators or those interested in high value added activities.
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