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Xin-Yuan Gao

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Review Oct 2026

Balancing Competition, Innovation, and User Interests: Rethinking Interchange Fee Regulation in the Digital Payments Era

This article examines the Payment Systems Regulator’s (PSRs) proposal to cap interchange fees on UK–EEA cross-border card transactions, with particular focus on the judicial review initiated by Revolut and Visa. While the proposal has been challenged on the grounds that it exceeds the PSR’s statutory powers under the...

Xin-Yuan Gao · 0 citations

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