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Innovators dilemma. If the banks want to adopt it then cool, if not more opportunities for innovators.

The regulators though are the real issue, but we have some ideas for dealing with them as well.

This is awesome work, congrats. Have you been in contact with some banks about it already?

Thanks. I am probably not going to talk directly with banks, but I know there are people from the traditional banking and payment card world on the Agile Banking list and I'm hoping one or two smart banks might use the economy as an excuse to innovate.

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