Payment cards and other access devices have proliferated, and the demand for  1  Helena L. Tenenholtz, Jeffrey S. H. Yeganeh, Jack K.Walton II, and Jeffrey C. Marquardt of the Board’s Division of Reserve Bank Operations and Payments Systems contributed to this speech.
It is also my pleasure to greet every one present today and to welcome for the first time the Alliance for Financial Inclusion, represented by its Executive Director. 2. These meetings were started not a moment too soon, in 2013, resumed in 2015 and today we gather to open the third.