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A number of cards and card readers containing various OS platforms are emerging and creating interoperability issues. It is one thing for more than one OS to run on the same terminal. It is another thing to train every merchant to handle like transactions (credit/debit) differently because the platforms are different. There are other areas hampering the evolution of smart cards, such as development and rollout costs, branding issues, and ownership disputes in cases of fraud or loss. The most important hurdle for the smart card is the capability of businesses to develop a business case that can support the issues listed above.


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