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Great application!  Clearly, the FI is in a position to save on CNP fraud and it should be an easy business case.  How much does this increase the cost of the card?

Screen scraping is a quick and effective way to create an interface to a legacy system.  It is also difficult to support as it scales.  This is an unfortunate decision in the short term, however, it sets the stage for better and more scalable interfaces in the long run.

Obviously Wal-Mart wants consumer adoption (to Paul’s comment) and to encourage consumer spend.  Along with other recent announcements it does look like we are moving to more reciprocity and for the consumer to be able to choose their favorite tenders—and if WalMart accepts MC and VISA, can the rest of MCX be far behind?  QR and BLE are going to gain traction with more than half of consumers not using an iPhone with a proprietary antenna.  Will 2016 finally be the year of the mobile wallet?