12, 13. AmaKristu amabini ancedwa yintoni ukuze alawule iminqweno engafanelekanga? Le yenye izicwangciso efanelekileyo esetyenziswa rhoqo nokubheja esetyenziswa yi nkqu amagqala kakhulu ongumakad. Le mba enkulu ngempumelelo ukubheja kukuqinisekisa ukuba basoloko ukuthenga the best ukubheja imigca. While the rate of account growth in the U.S. bankcard industry has been slow and many of our large institutional customers have consolidated in recent years, we have generated most of our revenue growth from our bankcard-related scoring and account management businesses by selling and cross-selling our products and services to large banks and other credit issuers. As the banking industry continues to experience contraction in the number of participating institutions, we may have fewer opportunities for revenue growth due to reduced or changing demand for our products and services that support customer acquisition programs of our customers. In addition, industry contraction could affect the base of recurring revenues derived from contracts in which we are paid on a per-transaction basis as formerly separate customers combine their operations under one contract. There can be no assurance that we will be able to prevent future revenue contraction or effectively promote future revenue growth in our businesses.