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Over decades of groundbreaking (and often backbreaking) work, Dr. Lynne Baldwin of BHMI and Randall Hardy of Pulse have established their leadership in taking payments into the digital age. Today, these two industry veterans recount some of the challenges they’ve faced and the values that drive their work. They also discuss what’s ahead in the payments landscape heading into 2022: an exciting time of innovation and disruption where, as Hardy puts it, “Everything’s next.”