For Debit cards payment scheme's are already joined on 1 EMV chip. The terminal configuration decides which one is used. To join issuers on 1 card I agree cross

For Debit cards payment scheme's are already joined on 1 EMV chip. The terminal configuration decides which one is used. To join issuers on 1 card I agree cross-bank cooperation will never happen. Credit cards are divided by payment scheme's. Banks just issue cards for 1 of the scheme's eg. Mastercard or VISA, ... don't think Mastercard. In this field I don't think Mastercard will want their competitor on the same card. Even technically it's not so easy to implement for a payment processor (I work for a payment processor).