M&A‘s, consolidation and technology change in just the past 2 years has left many quandaries and few definitive answers. The realisation is now quickly spreading worldwide that there is high risk and big spends coming for many of what was regarded as stable card businesses – all resulting in mass change in parallel over the next 3 – 7 years. All options are open from selling up through to first mover innovation. The good news is just about everyone looking for new business from these organisations, no matter what level, will find some. 2010 has brought an exponential wave of Banks and Processors entering into a re-discovery mode as to what is happening, what is core and what future business strategy/roadmap will be taken. With no easy answers, many risks and big spends, the best that can be done right now is to efficiently assess, plan, effect and checkpoint regularly against market responses.