"I think the format of credit cards is likely to change," Bill Maurer, director of the University of California at Irvine's Institute for Money, Technology and Financial Inclusion , tells NATION . "We see a gradual migration towards a more virtual space, which is already beginning to be seen in online shopping," he adds. [In Spanish, you can request a Google English translation copy of the article by sending an email to communications@uci.edu.]

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