It is a platform which is bringing together issuers and asset owner for easy transactions for a small fee. Replicating the network at low cost would be a challenge. Why would anyone switch for a marginal benefit, with each passing year it would become more difficult to replace the platform.
DFS is adding more services every few months to strengthen the platform – how much does it take for them to expand into highway lounges (already have issuers, card holders, technology) – they have more bargaining power than the new players – more to offer at lower cost
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