Similarly, while convenience drove the first wave of UPI growth, the next wave is likely to be driven by credit, say the founders betting on the space. Merchant payments constitute around 63 ...

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Merchant said the imbalance has roughly doubled since 2010, in part due to increasing greenhouse gas concentrations, and because the Earth is now reflecting less sunlight to space than before.

He says that accelerating ocean warming is driven by the Earth's growing "energy imbalance" – whereby more energy from the Sun is being absorbed in the Earth system than is escaping back to space.