Dreamfolks services limited( DFS)

Agreed bank may not immediately tie up with a new player but what about existing players like priority pass.
Do note that banks,card network providers, airport service providers already has integration with them.Not everything is via dreamfolks.

So if competition lowers the fee its possible dreamfolks will loose their market share.

And yes it all depends on growth, growth of air passengers as well services on existing airports and new airports.