20 Jan 2026 | 5 Mins Read
Mastercard Expert Warns of Credit Card Cap Backlash
Flipitmoney
Mastercard’s Ling Hai warns that US interest rate caps could unintentionally exclude some consumers from accessing credit. He said fintechs may benefit by offering alternative pricing models like buy-now-pay-later. Hai also noted that the growth of regional payment systems such as India’s RuPay creates opportunities for Mastercard in interoperability and cybersecurity solutions.