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Hardly "collusion" that most nations have some form of debit payment system that is independent of the Visa/MC networks.


Yes, but in most countries, such debit cards are co-branded with Visa or Mastercard to make them usable abroad or online.

In Germany, most banks still see these use cases as an opportunity to upsell their loyal customers on their expensive credit card products (not in terms of interest really, but rather because of high monthly and foreign use fees).




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