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While the payments industry may be enthralled by the potential of blockchain, the move to digital wallets and the merits of real-time transactions, the backbone of the U.S. payments landscape remains the checking account and debit card.

The debit card is growing in popularity in the U.S. for retail transactions, and consequently FIs are making debit a top priority. However, the strength of debit is a double-edged sword, as fraud is also a pervasive problem, particularly for PIN-less debit transactions.