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Any breakdown for what incumbent banks, payments platforms and remittance organizations have spent to maintain existing dominance of these industries?

Every time you purchased something with a card, you give the card provider 2% of the price. There's a lot of interest in maintaining that.

Only in some jurisdictions.

Wikipedia: > In the United States, the fee averages approximately 2% of transaction value.[2] In the EU, interchange fees are capped to 0.3% of the transaction for credit cards and to 0.2% for debit cards, while there is no cap for corporate cards.

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