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We were all there cheering and said, this is a good thing.

It's a discontinuity, and we're looking for discontinuities to provide more value in a

fast-changing world.

What we cannot do is look in a rear-view mirror and say,

hey, you know, what we have works, and it does.

But I think there are many more choices coming.

So constructive, competitive paranoia, I think, is the mindset we need to have.

And I think what is at stake is also an opportunity for us.

That's Michael Maybach, CEO of MasterCard,

the global credit card and payments juggernaut.

...