LAS VEGAS — On day two of the sprawling Money20/20 conference at the Aria Resort here, speakers waded into many of the era's hot button topics including interchange to bank branch reinvention, tokenization and card not present fees.

Each consistently made one common point that now is the time.

"It's definitely the time to be in payments. More has happened in the past year than in the prior 19," said Mike Cook, a Wal-Mart SVP who has worked in payments for 20 years.

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