Many traditional LFIs, including banks, are full participants in the Payment Sector. Banks serve for example as issuers and acquirers in credit, debit, and prepaid card schemes, and are actively involved in developing new payment methods to better serve their customers. When banks play such roles, they are directly exposed to the determinants of risk discussed in section 2.1 above, and should thus conduct appropriate CDD on all Payment Sector participants. Banks and any other LFIs that offer services to other Payment Sector participants, or have customers who use these services, are exposed to specific forms of risk that include: