Evolution of V/MA – Moving Beyond Card

Today’s blog is part 2 to my 2016 post Transaction Costs and Value Orchestration in Commercial Networks. The “Big Picture” questions I’m trying to answer today are: 

  1. How are bank products impacted by expansion of network services and change in consumer behavior?
  2. How likely is it that there will be an end run around V/MA or a new operating model that competes with them?
  3. Given banks are the creators of the most successful commercial networks, what actions will they likely take?
  4. Is there a new model (ie DeFi or CDBCs) that completely changes how we think about networks and money. 

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