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Payments

Customers demand unique value proposition to drive adoptions
Competition, regulations add costs to money transfer organizations
System to share information at machine-to-machine speed
Contactless payment growth has been slow, however
Criminals increasingly sophisticated despite added security protection
Software loophole makes many systems vulnerable
Remote capture makes big gains; significant security concerns remain
Customers love prepaid cards; merchants love prepaid cards—banks?
Long-simmering question of whether or not to charge for e-payments heats up
NACHA hopes to improve reliability while cutting costs
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