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Card payments are widely accepted and secure, offering convenience and consumer protection. Open banking payments facilitate direct bank-to-bank transactions, real-time transfers, and data access with strong customer authentication. The choice between these methods depends on regulatory compliance, customer preferences, merchant acceptance, security requirements, costs, innovation, user experience, risk management, competition, scalability, partnerships, and user education. The future of payments likely involves a coexistence of both methods, adapting to market dynamics and user expectations.

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