The two macro factors that could derail this scenario are some sort of terrorist event that completely undermines investor confidence across all sectors, or an unexpected downturn in the economy.

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"In the event of a significant downside scenario, the economy has sufficient policy space to respond, especially on the fiscal side, " the IMF said in a report on the Asian economy.

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"With any major event you would expect us to do some scenario planning and this is no different, " she said.

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Commerce Bank also was not happy about their business prospects, in the event of an 80% type debit interchange reduction, saying that they would lose money in that scenario.

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