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      "text": "“Digitisation of customer journeys will foster a battle of rails between card- and account-based payments. Success will be linked to costs but more importantly to user experience, flexibility and the protection that payment products offer to the customer,” says Pierre-Antoine Vacheron, CEO of Natixis Payments.",
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      "text": "Behind-the-scenes payment processing—the ‘plumbing’ of payments—is also changing, as payment initiation changes from cards and traditional accounts to digital wallets and as regulators force the industry to strengthen domestic infrastructure for payments (see Figure 6).",
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