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Businesses want partners, advisors in services, not just processors
Future line of business reaches critical inflection point reached for
Many blame retailers while failing to take basic actions themselves
Rising ecommerce trend and developments like Apple Pay complicate the decision
Pew research advocates clearer disclosures
Choice still critical to consumers
Predictably, mobile, big data, and security stand out
Consumers don’t put highest priority on innovation
 Revisions take effect July 2015
I-O-What!? Yes, IOWA will do it first!
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