However, by converting your organization to a profit-making enterprise, you would be competing with companies such as Visa and MasterCard, who in turn may choose to issue debit cards as a way of increasing their market share, keeping their client base, or stealing from yours. You are saying that this is possible, but that it is not the case now because you are the only player on the market. As far as I am concerned, I do not believe that you will be spared. You may not be able to boast any longer about being a low-cost provider. You would become a company just like the others, and seek to make as much profit as possible.