I'd love to see the payment networks engage innovation with the same no fear pursuit and execution. A single payment network could revolutionize the entire payments landscape overnight. They could bridge gap in mobile payments and end most card fraud within a year or two. All they need to do is open up their rails/BINs. Please correct me if I'm wrong. Payment networks, lead the way, capture abundant market share and revenues, embrace innovators. Show the world what innovation truly looks like. Remember when you first saw the commercial for the iPhone? That same opportunity is available for you. If you fail to act I'm sure the processors, PayPal, Google, CurrentC ort some startup or other well funded payments company will be glad to fill the gap. The underpinnings to this innovation are soon to be revealed at the Card1 booth (2150) at Money2020.