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Credit cards, now a five-decade old industry, has been a massive business generating enormous profits. However, over the past ten years in particular, the industry has lost a vast deal of experience through attrition, retirement and the loss of expertise as banks and even cards businesses shuttered their doors. The shift to a global digital business culture is going to have an enormous impact as the form factor changes in the credit card industry. Separately, a brand new digital lending industry is emerging as a threat to the credit cards business.
In emerging markets in particular there is a demand for small ticket credit, issued digitally.
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