Now it can be told: Dee W. Hock, the hard-charging and visionary creator of the Visa organization, was not terribly interested in the banking or payments business.

He got there, his story goes, by a series of career accidents, won renown for taking Visa to the top of its industry, and in 1984 retired to a life of deep thinking that got him back in touch with his real ambition: to change the world.

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