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 In this episode…
 
 
 
 - We talk with Yonas Marcos, CEO at Star Financial, about the ATM business.  We explain why ATMs have become more popular through the rise of cash discounting and now dual pricing.  
  
 - We also discuss non-compliant ATM systems, such as the Cashless ATMs being used by Cannabis Dispensaries, and how Visa is cracking down.  
  
 - Then, I discuss some powerful external threats to the ISO / Agent model.
  
 - And Patti talks about how the Durbin Amendment is finally being fully implemented with competitors to Visa and Mastercard with debit routing.