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After a number of conversations recently with retailers and payments providers it’s become glaringly apparent that fintech will re-write the payments landscape, both in terms of how, when and where payments are made and in terms of who is now handling the payment.   There is no doubt that fintech is already making massive inroads into the consumer retail space and given the pace of change no-one involved in the industry can any longer afford to take a “wait and see” approach.  It is imperative to keep up to