No. In fact, I'd argue that would be a bad thing.
To go back to my example of the global payment scheme, when we look around the world, we see five to 10 global payment brands—Visa, Amex, Mastercard, Discover and others. The reason they all exist is that they all serve their constituencies in a slightly different way. Some are merchant-focused; some are more consumer-focused. Some try to do it all. They all exist because they serve in the right way.
What's good about that model is that all of us can make different choices about our favourite financial provider, and we're not stuck with that choice. If you start with one bank and you say, “I hate this bank. I want to go to another one,” you can, and you can continue on as you were.
I think having a single provider of this whole thing would be dangerous. We want to have an open scheme so that we can have multiple providers. That's quite important. And it has to be based on standards, not on proprietary, lock-in technology.