if you don't think for a second that Visa and MasterCard...

if you don't think for a second that Visa and MasterCard see APT as a potential competitor/threat to their business then you've really got your APT rose coloured glasses on.

Time will tell, I'm not a holder of APT and I don't intend to be just find it interesting on market discussion how future risks to the business like industry regulation and companies like CBA, Visa etc are so quickly dismissed by holders.

good luck I hope the APT story continues and you do well out of it all.