What is the relationship between 'MasterCard' and 'credit card' in the context of the input sentence.
Options: manufacturer, distribution format, operator, product/material produced

By the Oct. 1 deadline, credit card companies and retailers will shift to "smart cards" using a new technology called EMV—which stands for Europay, MasterCard and Visa, the three companies that created the standard for processing payments.
product/material produced