LAS VEGAS—Last year, 1,500 attended the first Money2020 innovation in payments conference. This year, 4,000 stuffed into the Aria Hotel's meeting rooms Oct. 6-10.

Attendees and presenters included payments gurus from start-up firms, but also executives from name brand players such as Citi, PayPal, Discover, MasterCard, Visa, Amazon and others.

Most attendees came for a simple reason: They are struggling to make sense of a dramatically changing payments landscape. Disruption was the one-word theme of the conference, and Jim McCarthy, global head of innovation at Visa, pronounced on stage, "There has not been a more pivotal time in payments than right now."

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