Once seemingly dull and opaque, the payments industry has muscled itself to prominence at the front of the financial world.
Throughout 2015 the sector has never strayed far from mainstream media headlines, enduring a turbulent year.
First the good, Apple Pay, Pay-M, Facebook, Samsung and others continued to blur boundaries between finance and innovative new products, breaking down barriers and broadening consumer awareness.
Crypto-currencies and accompanying ledger technologies forced unprecedented partnerships between banking rivals in the race to compete.
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