I agree completely. The only way they embrace change is when it impacts their bottom line. Visa and Mastercard are citing privacy and security as a reason they

I agree completely. The only way they embrace change is when it impacts their bottom line. Visa and Mastercard are citing privacy and security as a reason they are not going to work with Facebook. That kind of thing will lose them money in the long run, and the only hope is that they realize the competitive advantage of prioritizing security.