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In the last couple of years, we already witnessed profound changes in the payment terminal industry on a global basis. We have seen major POS terminal manufacturers engaging in a race to critical size. Now, the industry has an interesting structure, with three Tier 1 POS terminal manufacturers, Ingenico, Verifone and Hypercom. All of them have a combination of a recognized technical expertise, a global market reach, means to influence technology and markets, and a strategic vision of the future of the industry. Most Tier 2 vendors have been acquired by the Tier 1 vendors in the last couple of years.

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"Cash is dirty, cash is heavy, cash is quaint, cash is expensive, cash is dying", this was a Visa advertisement several years ago that even made it to the front page of The New York Times. At the end of the last century, we all thought cash was bound to disappear shortly. We had set up credit cards, debit cards, electronic purses, etc. and we thought all these solutions were so much better than cash that within a decade cash would be a thing of the past. Now, in 2010, we have to realize we still have banknotes and coins in our pockets.

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Traditionally, the first issue of the year is where analysts express their vision and anticipation for the year to come. Let’s do this exercise and see what’s next for 2010:

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