The financial services industry, by any standard, has forever changed the way business is conducted. Most consumers have a credit or debit card and use bank cards to pay for $850 billion of products and services worldwide. MasterCard alone processes more than 3.6 billion transactions a year for its 228 million cardholders. According to the Census Bureau, the credit card industry accounts for 373,000 jobs and more than $10 billion in wages.

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