It may very well be the CEO, I have personally done business with MasterCard up in Purchase NY. Big companies like to feel comfortable and trust the partners they rely on especially with new technologies. It could be personality. It could be there is no product or its just not ready yet, or they have it and its not what the banks want. Either way, if they did have a working product, it would be taken in a SECOND by a reputable US bank.
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