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How our cashless, branchless, ATM-less future is driving the cost of retail payments to zero

The marginal cost of digital transactions is converging to zero, across all industries. Payments will follow that path. How is the payments landscape evolving, and what type of players incorporate payments into their offering? What steps do we see governments take to drive financial inclusion? In consequence, what are the threats and opportunities for any payments offering in the 21st century?

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