Re "TSYS Hybrid: Using Credit to Push Decoupled Debit" [Feb. 11]: This product sounds like it was designed to be used on a smart phone; quite frankly, I can't imagine how it would work in any other format. In a near-field-communication-enabled mobile device, the TSYS Hybrid Card application has the potential to be a game changer for the payments industry.

Philip Philliou, Partner
Philliou Selwanes Partners

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