Post the economic recession, credit cards have seen a resurgence across the industry. Cash and check usage is expected to decline by 40 percent in the next 5 years, says a recent Fed study. PYMNTS sat down with Vikas Bansal, Vice President and Credit Product Leader, Fiserv to gain his insight into which market forces are driving the use of credit, why SME credit card usage is also expected to surge, and how Fiserv will play a role in shaping future credit card trends.