MasterCard, Visa, and AMEX - the big 3 of the CC biz - are underpinned by a 60 year + business model.
They enjoy large market caps (126B, 141B, 97B respectively)
However - I've heard their "costs" to operate include 40% for fraud protection, detection, remedy, etc..
MasterCard does about $8B revs per year, Visa around $12B, Amex a little less.
For Ethereum to effectively disrupt the financial services industry - it must include a solution for credit.
I propose NO MORE CREDIT CARDS, just FAIR CREDIT! Such a theme, meme, will help to usher in the era of fair credit.
We need a consensual credit system to uproot the incumbent model. Ethereum could play that role.
Yet, we need a financial backer that "believes" that a new business model for credit on a new foundation of a consensual
block chain based digital currency and "rules" - has a chance to win - and achieve success in financial industry cc "change".
Someone or a "pool", needs to step forward and provide liquidity to "fund" this "change". "Change" that could steamroll
an industry ripe for "change".
We can architect it, we can code it, but we can't fund it alone.