In 2012, the debit industry in the U.S. began to recover from the turmoil resulting from the Durbin Amendment, but that doesn’t mean smooth sailing by any means. 2013 may be the year of living dangerously as issuers begin to move into new product territories like mobile, EMV, P2P payments, and prepaid cards. The competitive market is beginning to turn up the heat as new entrants muscle their way in to stake out their claim in an already crowded field. And then, there is always Durbin II.