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This year was predicted to be a time of focused transition in the payments arena. FIS’ EVP of payments, Bruce Lowthers, said he expected companies would change direction from chasing the latest technology trend to focusing on connecting innovation to consumer value propositions. How much progress did we see in convenience, safety, ease of use and financial inclusion in making payments? 1. Innovations that make payments safer Progress is picking up on deployment of tokenization. Tokenization....