In his first four months as MasterCard's U.S. region chief executive, Alan J. Heuer has crisscrossed the country seeking input from as many members as he could talk to.

As he noted in a recent interview, the 13,600 U.S. member banks are his primary concern. "One of our biggest challenges here is being responsive to a set of members that "have different ambitions, different strategies, different desires," and MasterCard must continuously work at being responsive.

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