There are more questions that need answers before significant disruption to current models, such as the credit card, can occur.

There are more questions that need answers before significant disruption to current models, such as the credit card, can occur.

There are more questions that need answers before significant disruption to current models, such as the credit card, can occur.

There are more questions that need answers before significant disruption to current models, such as the credit card, can occur.