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By: Jonathan Fisher

Urbanization is one of the major themes underlying card payment growth in the world, states Jonathan Fisher, Head of Consumer Finance Research at Euromonitor. China presents itself differently than other emerging markets, notably that its major cities such as Beijing and Shanghai are actually decreasing in population. China’s consumers also tend to save more than consumers in other emerging markets, converting roughly 57-60% of all income into expenditure and saving the rest.

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