Many companies are working at changing the way consumers and others pay for things. Some envision a "post-plastic" world while payment networks such as Visa and China's UnionPay are fighting to not let that happen. Credit card marketers had better be sure they continue to provide tangible rational and emotional value for their customers to survive the fight.
http://www.economist.com/news/finance-and-economics/21566644-visa-mastercard-and-other-big-payment-networks-need-not-be-victims-shift