Comment by FredPret

Let me say first of all that the card networks do great work enabling commerce by being lightning-fast and generally secure.

I can securely complete transactions and subscriptions with ~anyone on the planet in mere seconds.

But holy cow do they have large margins. 40-50%!

The profit growth charts on these two are a sight to behold.

http://valustox.com/MA

http://valustox.com/V

The situation is simply begging for disruption.