Apple Pay isn’t the only new payment technology out there. There are rumors that Google is testing something called Google Plaso — a point-of-sale system. The only payment tech that is truly different are alternative currencies, like Bitcoin, which comes with its own set of problems. Pascual says there’s “so much money tied up in cards,” and it would be at least 10 years before we move away from cards and onto some other form form factor. Do you think EMV adoption will really accelerate when the liability shift happens in October?”]